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£1.78 over credit limit, have I lost my 0%?

So I stupidly exceeded my credit limit with A&L today, have I lost my 0% rate now for ever?

Replies

  • CannyJockCannyJock Forumite
    3.8K Posts
    So I stupidly exceeded my credit limit with A&L today, have I lost my 0% rate now for ever?

    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.
    "A child of five could understand this. Fetch me a child of five." - Groucho Marx
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