Missed monthly payment- credit rating?

[Mpn246]

I had insufficient funds when Spotify attempted to take the monthly payment at the weekend, but updated my details and paid for this a few days later.

Does anyone know if this will have any impact on my credit rating as a late payment? Not sure how it works with subscriptions compared to credit cards/loans etc. Seen historical posts saying Spotify don't send reports and that this won't matter but thought it was worth asking again in case this has changed.

[Maxim]

Hey @Mpn246 ,

Thanks for coming to the Community.

As far as I know, this doesn't matter at all, since Spotify will just end your subscription if they have failed to take the payment a few times. 🙂

Hope this helps!