Helping the poor by ripping them off

Claimed_n_won

I received quite a presumptuous letter from my papal credit card asking if I am having difficulty paying them off, which I have done in full last week. In the letter thay say if I am having difficulty paying them I should call them on an expensive 0871 number! I'm sure that's going to help if your in trouble.

jojo1964

Claimed_n_won wrote: »

I received quite a presumptuous letter from my papal credit card asking if I am having difficulty paying them off, which I have done in full last week. and in the letter thay say if I am having difficulty paying them I should call them on an expensive 0871 number! I'm sure that's going to help.

Thats the Catholic church for you

chattychappy

Well.. it costs money to have someone on the end of the phone to discuss things. I don't blame a CC for trying to recoup some of this cost from the phone number.

You don't have to call them. If you breach, they'll call you!

NiallB

jojo1964 wrote: »

Thats the Catholic church for you

:rotfl:Is there a 'Like' button on this thing?

mr_mitch

or just use saynoto0870

Claimed_n_won

Well.. it costs money to have someone on the end of the phone to discuss things. I don't blame a CC for trying to recoup some of this cost from the phone number.

Apart from the extortionate fees and charges for defaulting but also not forgetting the fees they charge the retailer for the privilege of accepting their card, and the interest the customer pays for the use of the card I'm sure that a couple of pence gratitude for the above wouldn't go amiss.

chattychappy

Claimed_n_won wrote: »

Apart from the extortionate fees and charges for defaulting but also not forgetting the fees they charge the retailer for the privilege of accepting their card, and the interest the customer pays for the use of the card I'm sure that a couple of pence gratitude for the above wouldn't go amiss.

Did you have a bad experience?

chanz4

yup he didnt pay them on time

dresdendave

Claimed_n_won wrote: »

Apart from the extortionate fees and charges for defaulting but also not forgetting the fees they charge the retailer for the privilege of accepting their card, and the interest the customer pays for the use of the card I'm sure that a couple of pence gratitude for the above wouldn't go amiss.

I think nearly all CCs will charge you fees for defaulting, avoid them by paying on time.

Other than 0% deals, interest is payable on CCs, or you can avoid it by always paying in full.

So basically whether you pay fees and interest is your choice.

chattychappy

dresdendave wrote: »

So basically whether you pay fees and interest is your choice.

Also up to retailers - if they don't like having to pay for the "privilege" of accepting cards they could offer a discount for cash or not accept them at all.

Claimed_n_won

chanz4 wrote: »

yup he didnt pay them on time

Learn to read, I've just paid them in full and never missed a payment ever. the reason I got the letter is because when your account becomes near its limit, they audit you. and because I pay them off annually I only pay the minimum each month. so don't jump to any conclusions in that condescending smug tone. there are people who genuinely having credit problems in this world who were at no fault of their own and then the banks destroyed their lives by unscrupulous immoral actions, this letter is just a small highlight of their unsavoury practices.