Amazon Credit Card

UnionGirl

Just wondering if anyone had any suggestions for me?

After returning from holiday I discovered that I had missed a payment for my credit card, paid it (3 days late c/w £12 late payment fee).

I had a balance of £200 to pay (£212 with late payment) which I paid £62 as I had a 0% promotional offer.

I phoned Customer Services to throw myself on their mercy to see if they would re-instate the 0% promotion - but no.

My question is, now that I have paid off the full balance (trailing interest next month), is it worth closing this card and trying for the Virgin cc in 6 months time, or will Amazon still send me good promotional offers after a few months of 'good behaviour'.

TIA

aimzrabbit

UnionGirl wrote: »

Just wondering if anyone had any suggestions for me?

After returning from holiday I discovered that I had missed a payment for my credit card, paid it (3 days late c/w £12 late payment fee).

I had a balance of £200 to pay (£212 with late payment) which I paid £62 as I had a 0% promotional offer.

I phoned Customer Services to throw myself on their mercy to see if they would re-instate the 0% promotion - but no.

My question is, now that I have paid off the full balance (trailing interest next month), is it worth closing this card and trying for the Virgin cc in 6 months time, or will Amazon still send me good promotional offers after a few months of 'good behaviour'.

TIA

that late payment will take at least a month to update on the CRAs

if you not happy sack amazon and move to a new deal i would

Eydon

aimzrabbit wrote: »

that late payment will take at least a month to update on the CRAs

"Amazon" and "Virgin" are effectively the same - both underwritten by MBNA - so "Virgin" will already be aware of the late payment to "Amazon" without having to go to the CRA.

Anthorn

The late payment on your credit file will become less relevant as successive on time payments are recorded but it could take a year so don't do any more late payments.

I agree that if you intend to close the card and apply for a different one move fast before the late payment gets on your credit report. But as previously advised probably not one that's issued by MBNA.

UnionGirl

Thanks everyone for your suggestions.

I got the HSBC credit card with 0% on balance transfers for 23 months. I do use Amazon a lot so will keep the other card for that only.:)