All credit applications will require a credit check in order to establish the credentials of the applicant. A credit check will show the credit rating of the borrower as well as any defaults and late payments. Sometimes borrowers are not aware of credit issues with their file and they should contact the third party who notified the credit agency.
Late credit card payments are also shown on credit reports. Regardless of how small the repayment may be on a credit card it is important to make payments on time. Late payments can affect your ability to borrow funds.