Got a Late Fee.... but no idea why?

Lokolo

OK so I'm not exactly an expert with CCs. However in my recent transactions I've recieved a late fee.

Now I am not sure why, it's on a 0% card and now that seems to have gone (I assume because of the late fee).

Doesn't matter for me, I can pay it off in one sweep, which I will do now.

But I don't see why I got a late fee in my recent transactions.

Heres my statements from last 3 months:


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Only thing I can think of is that I paid twice in November... but I didn't think that was a problem?

WASHER

Can you post your payment date as shown on the statements.

i.e Minimum payment required by...

Fruit_and_Nut_Case

Lokolo wrote: »

Only thing I can think of is that I paid twice in November... but I didn't think that was a problem?

If you paid twice in one month that probably means you missed another month. You need to make the minimum payment each billing cycle, which is not necessarily a calendar month.

Lokolo

WASHER wrote: »

Can you post your payment date as shown on the statements.

i.e Minimum payment required by...

I think this is where I went wrong



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The statement date of 19th, payment should have been between 20th and 14th rather than 19th.

Well I guess it's not only women where I am too fast...

FML.

WASHER

Yes, you paid too late, can I suggest a direct debit to set up for the minimum payment so this never happens again, its an oversight on your behalf and one that's easily done. You could of course transfer this balance onto a new 0% card as you may have lost your intro apr, just make sure you have a DD set up.

Hax

Problem is the payment you made on the 19th November was included on the statement produced on the same day.

That statement then required a payment to be made by 14th December - your next payment arrived with them on 20th December.

Lokolo

WASHER wrote: »

Yes, you paid too late, can I suggest a direct debit to set up for the minimum payment so this never happens again, its an oversight on your behalf and one that's easily done. You could of course transfer this balance onto a new 0% card as you may have lost your intro apr.

Nah not doing a DD. I am just going to pay it off and close the account, don't have any use for it anymore now it's not 0%.

Lokolo

Hax wrote: »

Problem is the payment you made on the 19th was applied to the statement produced on the 19th.

That statement then required a payment to be made by 14th December - your next payment arrived with them on 20th December.

Yep! The 19th payment was too fast, silly Lokolo.

opinions4u

Try the begging phone call for refund of fee and reinstatement of interest free deal first.