Credit Card APR historical data?

psbrett

Is there anyway I can find the APR for my Credit card for any given time to see if I have been overcharged?
I have had a Halifax Credit card for a a few years now and want to check my APR rates over the past few years.

Tixy

You could do a subject access request under the data protection act (it costs £10 though) which would give you this info.

Have you not got old statements you can check?

psbrett

A subject access request - may look into that for £10.
Unfortunately, I have shredded all my old statements which I now regret after hearing on the news you should shred all sensitive data.
Is there not a list of APR's on a website - I cannot seem to find it anywhere on Halifax.

Tixy

Don't think so, and it would only show the standard rate anyway, not specifically your rate.
The SAR will also give you all the amounts you were charged as well (which you'll need if you want to see if you were overcharged).

SAR Templates here - http://forums.moneysavingexpert.com/showpost.html?p=26867941&postcount=14

Do you think you have been overcharged?

psbrett

Thanks for the link Tixy. Looks pretty useful, yes I think I may have been overcharged so will order an SAR.

CannyJock

psbrett wrote: »

Thanks for the link Tixy. Looks pretty useful, yes I think I may have been overcharged so will order an SAR.

Their systems for calculating interest are fairly straight forward. Unlikely for there to be an error in the arithmetic.

What makes you think you've been overcharged?

EDIT: 99.99% of the time, I'd bet on it being someone's understanding of how the interest is calculated that is wrong.