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late fee

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just received credit card statement, forgot to pay last month, so now got £25 late fee to pay. totally my fault but when i rang and asked them to reconsider, good customer etc been with them long time etc agreed very quickly to halve it!

also remembered happened once before with a different card due to a mix up (going away for month paid statement balance before due but forgot to ask total balance) and that card refunded total fee.

so always worth asking!

Comments

  • Reaper
    Reaper Posts: 7,353 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Indeed. You can see a thread on the subject of asking to be let off fees [thread=24869]here[/thread].

    Note that if you are on a 0% or other promotional deal missing even one payment normally means the deal is forfit and you switch to the full interest rate.

    We keep saying it but everybody should set up a Direct Debit to at least pay the minimum amount off each month.
  • Word to the wise for everybody! Follow that DD advice!

    Got stung by MBNA last month through my own stupid fault -didn't check the statement properly and underpaid by £18.

    Cost - a £25 fee, and interest immediately payable on it, 14.9% APR.

    Had to get the money off the card ASAP and onto my Capital One 5.9% LoB card, but still managed to accrue £37 in interest in the interim. Cancelled card and was angered/amazed when the 'interest statement' came through this week.

    Mark my words MBNA, I will get revenge!

    (In six months time of course ;-) )
    The above facts belong to everybody; the opinions belong to me; the distinction is yours to draw...
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