HELP! hsbc credit card late fee charge.

edited 16 February 2012 at 12:25PM in Stoozing: free cash from credit cards
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monkeyfragglemonkeyfraggle Forumite
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Hi, I had my recent credit card statement and HSBC had charged my a late fee for January 2012. I was only £12 but I feel I have been falsely charged. My statements ask for the minimum payment to be paid by the 30th of the month. On the 2nd January 2012 I paid £770 onto my credit card which was received by HSBC on the 3rd Jan. This payment showed on my December statement. My argument was that I had paid my credit card between the 30th Dec and 30th Jan like my statements showed, HSBC replied by saying "that the payment of £770 was paid before my Jan statement issue date (5th Jan) which therefore did not count as a January payment". Surely this isn't a "credible charge" as they call it. What action can I take to resolve this?

Many thanks

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