Credit card late payment charge

all_hours

I have late payment charge from 3 or 4 years ago on a now cancelled credit card. It's only £20 - would it worth claiming this as the online fee is £30?

If I did claim would this affect the chances of getting a new card for a 0% deal with the same issuer?

The 0% period would save me much more than £20.

AndyR_3

I would suggest you get the 0% deal first, then look at the charges. Two reasons:

1) they can't refuse you the card because you've reclaimed charges;
2) if you're an existing customer, they might be more willing to settle to keep your business.

Which company is it? I doubt you'd need to submit a court claim to be honest, for a small amount they will probably just pay up.

all_hours

Thank you.

That's a good idea - I'll wait until I've either got the card or been refused before I ask for the refund.

It's capital one - their 0% is until next year so it would save a lot in interest.

thesaint

The credit card company can decline you for whatever reason they choose.

If you can get 0%, I would forget about the £20 they charged you years ago.
Let's say you got £4k limit and then you reclaim the £20, they could easily say "Okay, here's your £20, now give our £4k back within 28 days".

all_hours

I'll hold off claiming back the charge and apply for the card and see what happens.