Overlimit and being charged - HELP

JJT

I wonder if anyone can give me some advice, my partners credit card is overlimit and we are getting charged every month meaning whatever we pay off is not making any impression on the balance. We contacted Barclays and explained we where only currently able to make the minimum payments and they said they would stop charging the overlimit fee for 6 months in order to help us. We explained that this wouldnt help much as we still didnt have any lump sums of spare cash to pay off to get the balance back within limit however it was better than nothing. They did stop charging for 6 months and have now started to charge again meaning the payment we make (which is usually about 5 pound more than they ask for) is making no impression infact it is paying nothing off the balance as the next month its piled on in charges again. We have asked if they could consider either uping our limit to allow the balance to show as being back in limit (i dont see what difference this would make as we still owe them the money) and then reducing it down as we pay it off or switching us to another card and they have declined all suggestions. We have applied for other cards but have been declined. Does anyone know of any other routes we could take in order that the payments we make start to have an impact on the balance.

Tixy

Hi

How much is the balance?
How much is the limit?
How much are you paying each month?
How much is being applied in interest & charges each month?

opinions4u

they have declined all suggestions.

They gave you six months to fix it. You didn't.

Does anyone know of any other routes we could take in order that the payments we make start to have an impact on the balance.

Paying more every month.

Get over to Debt Free Wannabe and work through your finances there. Until you reduce your spending and use the money saved to reduce your debts you are going nowhere fast.