Barclaycard

jonomassey

Hi,

I've just paid my wifes credit card off (£6k balance) and she has phoned up to try and cancel it and they are saying she now owes another £100. She couldn't understand what the customer service man was saying but she could just make out it was some sort of charge for paying the full balance off in one go? Does this sound right? Does anybody have a phone number for Barclaycard where you can speak to a UK call centre? The payment was made a week before her bill payment was due, so I'd be surprised if they were trying to charge her interest on the balance. Any help would be appreciated.

Thanks

YorkshireBoy

The £100 sounds like 'residual interest'.

Once she's paid off two consecutive statements it will stop.

jonomassey

Ok, I paid my card off as well which was a smaller balance (3.5k), and they let me cancel it straight after (after 20 mins of them trying to persuade me to stay with all sorts of 0% interest periods etc). Only difference I can see is that I paid it off only 2 days after the bill date.

YorkshireBoy

jonomassey wrote: »

Only difference I can see is that I paid it off only 2 days after the bill date.

They probably decided to waive the £3 or so interest that would have accrued in those 2 days.

CLAPTON

jonomassey wrote: »

Ok, I paid my card off as well which was a smaller balance (3.5k), and they let me cancel it straight after (after 20 mins of them trying to persuade me to stay with all sorts of 0% interest periods etc). Only difference I can see is that I paid it off only 2 days after the bill date.

unless you have paid the balance in full for two consecutive months then you will owe some residual interest for the period between the statement date and the pay date (or unless you paid more than the balance)

so check next months statement carefully.

jonomassey

Ok thanks I will look out for it, I think its due late next week, so I will pay the remaining balance then.