Capital one late payment....

Keeval

Yes if you write them a letter you should be able to get some (if not all of the charge back). Especially if you have a good payment record.

As for paying the Capital One card account online, I do it. If you have an online banking facility from your bank (I do with Halifax). If I remember correctly on the back of your Credit Card Statement there are details on how to set up a standing order/bill payment from your on-line bank account.

This transfer will take approx 4 days to clear the funds but its quick and easy to do.

Regards,

-Keeval-

mountainofdebt

I know that on old capital one statements they used to put a pay by date - if you could argue that you were using their guidelines you may get a total refund.

*Sparkle*_3

Very upset and deflated they wont refund the charges, i tried the nice approach and they said they have already refunded some charges before so they cant do it.:(
Its my fault and i feel really !!!!!! off i didnt make the payment One day earlier!!
I supose i just have to take it as a very expensive lesson learnt!

But i'm still so mad :mad: that they are allowed to do that, i cant wait to get rid of this card I bloody hate capital one they have been the worst ever, i've had my card with them for over 5 years and they have been terrible this past year, as soon as i can get rid of the damm thing the better!!!

*rant over*

AMILLIONDOLLARS

Thanks Sparkle!!

For reminding me that I've got to make a payment to them today, its says pay by the 7th, but I not taking any chances.

*Sparkle*_3

Its ok your welcome i think i will start making my payment extra early, i dont want to be giving them any more of my money than i need to.

AMILLIONDOLLARS

I'm just reading the note on the statement regarding Internet banking, it says

"Your payment will then credit your account within 5 Working Days" so I suppose it's another way of saying cleared in 4!!

*Sparkle*_3

i paid on 19th and payment due on 23rd she said it can take up to 5 working days for it to clear.

AMILLIONDOLLARS

Sounds like they did not count the day you paid in ie the 19th if they did, then the 23rd would be the fifth day, in other words it took 6 days, did you pay first thing in the morning?

kevker

19th was a Sunday, therefore not a working day. Clock would have started ticking on the 20th, therefore fourth working day would have been the 24th. Don't you hate it when that happens.

AMILLIONDOLLARS

But I though internet banking is Computerised, so it shouldn't matter what day the transaction takes place. What's the point of 24 hour banking using this method if it doesn't active until a weekday!!