Capital One - overlimit by £3.00 will i get charged?

annettetabs

I have gone £3.00 over my credit limit with Capital One as of today, I have paid £5.00 using their online payment service with my debit card. Will i get £12 over limit charged slapped on?:mad:

staffie1

I would think so

oceanscape

Yep. I went over by 50p and paid it straight away with my debit card, still got the £12 charge.

staffie1

If you speak to the card company and plead that it was an oversight, they might, just might waive the fee, if you don't make a habit of it, but that would be entirely at their discretion.

annettetabs

:mad::mad::mad:Thanks Staffie1 - i'll give them a ring.

staffie1

let us know how you get on

chuckley

if its 1st time they probs will refund it/not slap charge... dunno if they'd put it on ur file tho... may effect increase?!

Innocent_Guy

Anything over your limit automatically makes you incur charges

annettetabs

Update - No charges incurred!! I was shocked. We had another incident in February where we paid through online banking a week before payment was due and i stupidly put in our account number incorrectly and didn't check, then panicked when our £60 payment didn't show. We were off to Florida the following day and wanted to use our card as back up. We got a late payment charge immediately, however when i rang them they had already matched up our account, credited the late payment charge immediately and doubled our credit limit on our next statement. We have got their credit building card, not sure if that may have anything to do with it?

Innocent_Guy

annettetabs wrote: »

Update - No charges incurred!! I was shocked. We had another incident in February where we paid through online banking a week before payment was due and i stupidly put in our account number incorrectly and didn't check, then panicked when our £60 payment didn't show. We were off to Florida the following day and wanted to use our card as back up. We got a late payment charge immediately, however when i rang them they had already matched up our account, credited the late payment charge immediately and doubled our credit limit on our next statement. We have got their credit building card, not sure if that may have anything to do with it?

Well done, keep an eye out on your next statement tho

annettetabs

Yes i will, signed up to their online facility which is great as transactions are updated within a few hours normally. :j