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£1.78 over credit limit, have I lost my 0%?
David_Lindon
Forumite 8 Posts
So I stupidly exceeded my credit limit with A&L today, have I lost my 0% rate now for ever?
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Replies
They'll revoke it because you've breached your terms and conditions - make a debit card payment immediately to bring yourself within limit, then give them an urgent call and ask them if they can:
1) reinstate your 0% rate
2) credit you back with any over-limit fee
3) credit you back with any interest (though maybe not worth arguing this one)
You basically need to take a "very sorry, accidental mistake, never happened before, never happen again" approach.