Credit card experts Zable surveyed 2,000 UK credit card holders to explore how often people forget to make payments, why these lapses happen, and the real financial and emotional consequences that can follow. An estimated 12 million credit card holders in the UK have missed at least one payment in the past 12 months. The most common reason for missing a credit card bill was thinking the due date was later than it actually was, affecting an estimated 3 million credit card holders (25 per cent). In addition, nearly 2.5 million credit card holders (7 per cent) said missed payments placed strain on their relationships. One in four credit card users are unclear on how credit limits are setThe survey went on to ask how well credit card users know their terms.