Borrowers deliberately miss loan payments Meanwhile, 14pc of those surveyed said they only ever make the minimum repayments, meaning that they are likely to be building up large amounts of interest. Just making minimum repayments can also adversely affect someone's ability to borrow more cash in some cases, as lenders may assume that the borrower is struggling to clear their debts. Experian said it found evidence that the problem of missed payments is getting worse. Nearly half of peoplewho had missed a payment said the most recent time they had done so was in the last year. One quarter said their last missed payment was between one and two years ago and one in seven said that the last time it happened was between three and four years ago. One third of those surveyed said that they constantly worry about money and one in six said that they dread opening their card statements. Peter Turner, managing director at Experian Consumer Services, UK & Ireland, urged anyone having problems repaying their credit to talk to their lender and seek help from debt advice charities. He said: "Missing a credit repayment happens to everyone, however it is important to understand the impact of these actions on long-term creditworthiness so that it doesn't impact on us getting the things we want later in life. Even the most common credit services like an overdraft can have significant consequences if poorly managed over an extended period of time.