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  • FIRST POST
    • M2323
    • By M2323 12th Oct 17, 12:46 PM
    • 3Posts
    • 0Thanks
    M2323
    Charge for Over Credit Card Limit because card did not update on activation
    • #1
    • 12th Oct 17, 12:46 PM
    Charge for Over Credit Card Limit because card did not update on activation 12th Oct 17 at 12:46 PM
    I transferred money from one credit card (Barclaycard) to another (Tesco) as the promo period for 0% was up on the Barclaycard. This was approved and I was asked at the time of applying for the Tesco to transfer the total money, so when I receieved the Tesco card and activated it, I expected the transfer to show but nothing was showing up for a day or so. From a previous situation like this I had to action the transfer again after activation of the new card (even though doing it at the time of application), so I moved over a smaller amount (as I didn't want to get charged by Barclaycard after promo deadline) and then both the original amount and the second amount moved over together which meant on the Tesco one I went over the credit limit, and therefore it took a £12 charge as it said I had gone over my limit.

    Do you think I can ask Tesco to waive this fee as it was an error/delay for activation of transfers as opposed to me actually missing a payment/going over the limit? The Barclaycard has now got credit of the second amount so they are transferring it over to my bank but I don't want the charge on the Tesco card to affect any future borrowing.
Page 1
    • zx81
    • By zx81 12th Oct 17, 12:47 PM
    • 14,387 Posts
    • 15,181 Thanks
    zx81
    • #2
    • 12th Oct 17, 12:47 PM
    • #2
    • 12th Oct 17, 12:47 PM
    You could ask. You may get lucky.

    More importantly, ask them to reinstate the promo rate if you've lost that.
    • M2323
    • By M2323 12th Oct 17, 12:51 PM
    • 3 Posts
    • 0 Thanks
    M2323
    • #3
    • 12th Oct 17, 12:51 PM
    • #3
    • 12th Oct 17, 12:51 PM
    Thank you - I hadn't thought about that, the statement still says 0% but I will double check on the phone. I have been lucky in the past with getting something taken off when it wasn't my fault, so I will give them a call. Thank you!
    • M2323
    • By M2323 12th Oct 17, 1:20 PM
    • 3 Posts
    • 0 Thanks
    M2323
    • #4
    • 12th Oct 17, 1:20 PM
    • #4
    • 12th Oct 17, 1:20 PM
    Success! They are refunding the £12 (and said it wouldn't show on credit file unless it was 2 defaults anyway). Always worth asking!
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