Hi folks,
Really hope someone can help on this.
My credit card with AIB is just over 30 days in arrears and as this is the first time this has happened and I thought it was unavoidable I thought that as soon as this happens and your account is officially in arrears for over 30 days, they have to report this to the ICB and this then affects your credit rating.
But I found out today that Halifax/Bank of Scotland actually wait 3 months into arrears before they report you.
Does anyone know if there's any chance that this is the same for AIB? They didn't mention this on the phone to me when I spoke with them and I didn't ask cause I just presumed it was 30 days of arrears and that was it, you were blacklisted as such.
Really hope someone can help on this.
My credit card with AIB is just over 30 days in arrears and as this is the first time this has happened and I thought it was unavoidable I thought that as soon as this happens and your account is officially in arrears for over 30 days, they have to report this to the ICB and this then affects your credit rating.
But I found out today that Halifax/Bank of Scotland actually wait 3 months into arrears before they report you.
Does anyone know if there's any chance that this is the same for AIB? They didn't mention this on the phone to me when I spoke with them and I didn't ask cause I just presumed it was 30 days of arrears and that was it, you were blacklisted as such.