Tesco credit card - GAH!

Miss_Blyton

I always pay off my credit card in full and I am FURIOUS to have just recieved a bill which includes an overlimit fee of £12. I've gone over by £900 - but in four separate transactions over a period of two weeks, and they've made no attempt to either contact me or to stop me spending.

What do you think are the chances of getting them to refund the fee, and how do I best go about getting them to do so. I'm fuming, and will be even more so by the time there's anyone there who's able to deal with it - because, apparently, it's not an issue that Customer Services can deal with.

I'm sorely tempted to pay this off and then cancel the account!

msgnomey

um, excuse me if I am wrong but you spent the money didn't you? Why should they tell you to stop spending? They want to make money from you!!!!!!

FRESTER

Only you to blame.
It is not the card company who made you go over your limit.

jonesMUFCforever

Did you know you were near or over your limit?
They have told you by providing you with a monthly statement.
Going over by a few quid is one thing but by £900!

If it is a first offence you could try again on the phone and ask that as you always pay off your bills on time whether they would refund the fee as a gesture of goodwill - maybe they will maybe they won't.

What is the point of cutting off your nose to spite your face in cancelling the card when it is entirely of your own making.

flashg67

Does no-one want to take responsibility for their own actions nowadays? the only person to be furious with is yourself. Sorry if you came on here for sympathy & understanding but £900 over the limit is just irresponsible IMO.

jay87

Think about how much it would cost a bank to contact the thousands of overlimit/late customers each month before their statement!! They are a business not a charity!!

Miss_Blyton

Yes, I did spend the money; however, I didn't realise I was so close to the limit (yes, I should have known, but since paying it's not an issue, I wasn't looking as closely as I might have been.) Obviously, I have no problem paying the bill, and I will do so as I always do - but I am not impressed that they let anyone go so far over the limit without at least contacting them.

I'm also quite surprised that they didn't contact me since at least one of the transactions could have been considered "unusual". The Post Office were certainly quick enough to do so when I used that card in what they thought was a strange location.

Miss_Blyton

flashg67 wrote: »

Sorry if you came on here for sympathy & understanding but £900 over the limit is just irresponsible IMO.

I didn't. I came here for advice.

As for contacting me, my partner's cc company do contact him when he gets near the limit. I assumed that was normal good practice.

thegoodman

Don't try to make tesco look bad. You have a limit which tesco have agreed to, if you go above it pay extra. Nothing wrong with this.
I bet you will still not cancel the card and loss out on points.
Why don't you ask them to increase the limit?

chattychappy

The choices are:

1) Phone up and be nice. Say it's the first time offence and as a gesture would they refund it.

2) Point out that penalties for breach of contract must be proportionate to the costs incurred. Ask them to justify the £12 by reference to what it cost them - ie given they didn't write to you, phone you up etc how could your breach have cost them £12. And if it didn't, then they weren't entitled to charge it regardless of what the T+Cs say.

thegoodman

£12 is the fix price set by all card companies. Make a big deal about £12 pounds and the card company can close your account. Since she is going to close the account it is worth trying.