Barclaycard unfbelievable - limits payments in!!

juliusceasor

Has anyone had experience with this???:mad:

earlier this month I paid some money off on my January statement and come the end of the month I wish to clear the balance can I do it? No seems like I can't and it would seem the methodology behind barclaycard means that I would be forced to pay interest on the balance because of it.

There appears to be a limit of several thousand pound that I can pay per month unless I go with cash into the Branch. I ask you how archaic is that going with CASH to a Bank.

So I have a balance of £5000 I have paid off £500 I can now only pay £2500 thats it period. Despite having the £5000 on my debit card to pay the balance in full prior to the due date. They won't accept it.

A heated discussion with C/S and as a goodwill we won't charge you interest. GGGReat fun f fab dabby do as good will never mind the fact that I can pay it but they prevent me. Never mind that without complaining I'd be subject to interest charges and have it flag my Credit score no doubt.

Is this normal? I never had this problem with other cards.

Surely it can't be right the a CC can make you pay interest purely by preventing you paying more than their limit? Why offer limits on cards in excess of this £3000 maximum monthly payment then except to put one in debt to them for interest unfairly charged.
:mad:

chivers1977

I don;t think you are right. You just pay either from your bank sending a payment or online using the B/card website. I paid offf £3950 using the B/card website. Is your problem that you did not arrange the payment in time before the due date?

opinions4u

juliusceasor wrote: »

Has anyone had experience with this???:mad:

I never pay by Debit card, so no.

earlier this month I paid some money off on my January statement and come the end of the month I wish to clear the balance can I do it? No seems like I can't and it would seem the methodology behind barclaycard means that I would be forced to pay interest on the balance because of it.

Unless you identify alternative methods of payment.

There appears to be a limit of several thousand pound that I can pay per month unless I go with cash into the Branch. I ask you how archaic is that going with CASH to a Bank.

Or perhaps a cheque. Still archaic, but possibly an option?

So I have a balance of £5000 I have paid off £500 I can now only pay £2500 thats it period. Despite having the £5000 on my debit card to pay the balance in full prior to the due date. They won't accept it.

It might be an anti-fraud measure, either from your debit card issuer or Barclaycard.

I did once buy a car on debit card and the authorisation process was a pain, but if somebody else was spending several thousand pounds with my card I'd be grateful for it.

A heated discussion with C/S and as a goodwill we won't charge you interest. GGGReat fun f fab dabby do as good will never mind the fact that I can pay it but they prevent me. Never mind that without complaining I'd be subject to interest charges and have it flag my Credit score no doubt.

Did they discuss things like:

- posting a cheque
- going in to a branch with a cheque
- using an electronic bill payment facility (my Halifax online service allows £15,000 per bill per day)

or did any of these alternatives cross your mind? Does it give you alternative payment methods on the back of your statement?

Surely it can't be right the a CC can make you pay interest purely by preventing you paying more than their limit? Why offer limits on cards in excess of this £3000 maximum monthly payment then except to put one in debt to them for interest unfairly charged.

If you paid using other arrangements then the situation wouldn't arise. I think you're making a mountain out of a molehill and playing the victim when there were other alternatives to ensure you didn't pay interest.

My own credit card statement provides the following options - paying by debit card isn't one of them, yet I've always managed to pay the bill in full every month for 22 years.

Direct Debit

– if you would like to pay by direct debit please call 08457 28 38 48.

Online
– you can pay online through your own bank or the Halifax website

www.halifax.co.uk/online. You need to provide your bank with the following

information, allowing 3 working days before the due date shown.

Bank Sort Code no. 80-20-45 Bank Account no. 00213765
Your reference number which is your 16 digit account number.

Post
– complete the payment slip and send with a cheque in the envelope
provided to Card Services, Dunfermline, KY99 1HX. Please ensure the cheque

is made payable to the account holder, with the 16 digit credit card number

included on the first line e.g. Mr J Smith 1234 5678 1234 5678. Please allow 7
working days for the payment to reach us.

Bill Payment Service
– if you have a Halifax Current Account/Cardcash/

Easycash, you can use the Bill Payment Service at any cash machine.

Please allow 7 working days for the payment to reach us.

In Branch
– you can call into any Halifax or Bank of Scotland branch to make a
payment. Simply complete and hand in the Bank Giro Credit slip with a cheque

or cash. Payment cannot be made using a Switch or Maestro card. Payments

should be made at least 4 working days before the due date shown.

Standing Order
– to set up a standing order please contact the bank where
your current account is held, ensuring the amount covers your minimum

payment as this will vary. You need to provide your bank with the following

information, allowing 4 working days before the due date shown.
Bank Sort Code no. 80-20-45 Bank Account no. 00213765

Your reference number which is your 16 digit account number.

EDIT: Seconds after writing that, I received a statement for a rarely used Barclaycard!

It lists the following methods of payment on the back:

- direct debit
- at your bank
- on the internet via Barclaycard
- on the internet via another bank account
- Faster Payments
- by post
- by telephone call to Barclaycard
- by telephone call to your own bank

While they don't offer to send a topless lady/gentleman round to collect the payment personally, I really do think that there are enough choices out there to allow you to make a credit card payment in full without actually having to open the front door!

juliusceasor

I can't answer all the various points raised easily as I am writing this from my phone so you'll have to bear with me.
Firstly I always pay by debit card the entire balance each month never had any issue and never been late. This is not a question of my ability to pay or my paying late.

I paid more than the minimum payment prior to any payment date in cash with the credit slip on the statement. I then intended to pay off the balance in full at the end of the month when my payments had cleared. So as I would normally do I made a payment by card wihin my due date.

They would not accept a payment by debit card in excess of 3000 so I went thru to CS to query this. I was told that is the max I can pay by debit card. I could not pay more unless I went to barclays in person with cash.

So I argued about the interest and decided to pay the 3000 and sort the balance out with them after.
Thereupon I went to pay the 3000 but was again refused. I could only pay 2500 because I had the audacity to make a payment of 500 using the paying in slip!
Again CS said the only way I could pay more than 3000 in was in cash at barclays. And the max I could now pay by card is 2500 due to the earlier payment.

This is nothing to do with method of payment it is a cap on amount to pay unless you pay in cash at barclays if you have made a payment at anytime in the due date.

PBA

Banks have limits on transactions all over the place to try and limit fraud, and this is one of them. They've done the decent thing and explained there is a limit, and offered to waive any interest because of it. Therefore it's a non issue, just pay the extra by BACS from your current account.

chivers1977

When I go onto barclaycard online it says "we have recieved your payment but you can make extra payments here" - nothing about limits. Try online!

juliusceasor

How can it be fraud when I am paying money into my own account? Both cards are registered to me at the same address and it is the card I always make payments with.
Regardless of this if they do set a limit of payment by card do they prevent me utilising this because I have made an earlier payment without my card?

Because I couldn't physically pay in the money due to their restriction why should they then have the right to charge interest only prevented in this instance because I complained.
I haven't tried paying online but they clearly told me the limit for paying in is 3000 if I have made a prior payment within the statement period. Also paying online takes longer to transact and would then have put me past my due date where as my debit card goes through on the day of my making payment and therefore I make full use of my interest free period.
I do most banking online it would have been impossible to withdraw and pay in cash at Barclays in person as they say is the only possible method. And what if I was out of the country ?

I think the point is being missed here in he haste to slate me for whatever reasons some of you seem to hold. I made more than the minimum payment well in advance of the payment date and yet I was unable to then make a payment of their limit 3000 using my debit card it had to be that limit less the minimum payment.

Now I also know that I have cleared a balance in the past in excess of 3000 using the same debit card in a single transaction ie no minimum payment beforehand.

If this is a fraud measure in what manner does preventing multiple payments in excess of 3000 in total prevent fraud they're not so reluctant to provide me the credit and let me spend it multiple times a month in excess of 3000! And if the limit is 3000 why not per day or per transaction i could then make a cured payment usig another card.

On my statement it males no mention of these restrictions it does say "I can make a partial payment of any amount over the minimum" nor in my terms and conditions.

opinions4u

juliusceasor wrote: »

How can it be fraud when I am paying money into my own account? Both cards are registered to me at the same address and it is the card I always make payments with.

I don't think anybody said it was fraud.

It was suggested that the limit may be part of a range of fraud prevention measures.

Because I couldn't physically pay in the money due to their restriction why should they then have the right to charge interest only prevented in this instance because I complained.

Because, as has already been discussed, there are numerous other ways to pay. People managed to pay credit card bills before debit cards had been invented!

I haven't tried paying online

Give it a go. Send them £1 as a trial run. It's very exciting.

but they clearly told me the limit for paying in is 3000 if I have made a prior payment within the statement period. Also paying online takes longer to transact and would then have put me past my due date where as my debit card goes through on the day of my making payment and therefore I make full use of my interest free period.

It does feel like you're digging your heals in a little here.

I do most banking online it would have been impossible to withdraw and pay in cash at Barclays in person as they say is the only possible method.

Why?

And what if I was out of the country ?

You make sure your financial affairs are under control before leaving the country. It's called personal responsibility.

I think the point is being missed here in he haste to slate me for whatever reasons some of you seem to hold. I made more than the minimum payment well in advance of the payment date and yet I was unable to then make a payment of their limit 3000 using my debit card it had to be that limit less the minimum payment.

The point is that you want to make the full payment via your debit card and are miffed because you can't. As a result, you don't think you should have to make the payment via any other method. Why are you making life difficult for yourself?

Now I also know that I have cleared a balance in the past in excess of 3000 using the same debit card in a single transaction ie no minimum payment beforehand.

So something has changed? I don't know the reasons for the £3k event, but if it exists then you have to play the game by those rules. If it miffs you so much, change your card to another provider.

If this is a fraud measure in what manner does preventing multiple payments in excess of 3000 in total prevent fraud

It caps the potential losses at £3k.

they're not so reluctant to provide me the credit and let me spend it multiple times a month in excess of 3000!

They clearly think that with numerous different ways of repaying the debt that their cardholders are clever enough to use more than one of them.

And if the limit is 3000 why not per day or per transaction i could then make a cured payment usig another card.

To cap potential losses at £3k a month, instead of £93k in a 31 day month perhaps?

On my statement it males no mention of these restrictions it does say "I can make a partial payment of any amount over the minimum" nor in my terms and conditions.

Your statement also tells you what other methods you can do to make thaose payments.

You really have created a mountain out of a molehill here because of your refusal to use other payment methods.

I'm not defending Barclaycard and this £3k issue - if it's a problem for you take your business elsewhere - but sitting in the corner and saying "I'm only capable of paying by debit card and refuse to use any other method" will, sooner or later, land you with a bloody great interest bill that the bank will not have any responsibility to reimburse.

Your call.

juliusceasor

No you're just being completely sarcastic which clearly denotes your wit.

No ATM I know of allows me to withdraw 5000 in cash in one or even two days yto then enable me to pay with cash.

This is not a question of how you pay.

If one makes a payment by any means then one can not then make a payment of any further amount by ANY means above 3000 less the first payment period except with cash at barclays.
However if one paid a single payment only then the debit Card could be used to pay in full the amount even in excess of 3000

opinions4u

juliusceasor wrote: »

No you're just being completely sarcastic which clearly denotes your wit.

Take it the way you will. You're being stubborn and sooner or later the bank will charge you. It ain't my problem though.

I have quoted the back of my own Barclaycard statement to you, suggested alternatives to you but you have chosen to interpret a conversation with a call centre in a way that suggests you cannot pay more than £3,000 unless it's cash over a bank counter.

I'm sorry, but unless somebody else can come along and prove me wrong, I simply don't believe this. There has been a misunderstanding. Nothing more than that.

No ATM I know of allows me to withdraw 5000 in cash in one or even two days yto then enable me to pay with cash.

Cheque books. BACS. Faster Payments. Cash. Online payments. Envelope with a stamp on it.

This is not a question of how you pay.

If the restriction is on debit card payments, that's exactly what it is.

If one makes a payment by any means then one can not then make a payment of any further amount by ANY means above 3000 less the first payment period except with cash at barclays.

Sorry. Still don't believe it. If you send an online payment via BACS they won't bounce it back. If you send a cheque through the post they won't refuse to process it.

bazster

juliusceasor wrote: »

If one makes a payment by any means then one can not then make a payment of any further amount by ANY means above 3000 less the first payment period except with cash at barclays.
However if one paid a single payment only then the debit Card could be used to pay in full the amount even in excess of 3000

I simply do not believe that. You have got the wrong end of the stick somewhere. If you paid by BACS transfer then the system would not reject your payment. Really, it wouldn't.