I dont understand...

SnowTiger

grumbler wrote: »

I think this doesn't apply in this case. It's not purchases and the interest is added on the small balance for the time after the statement and before the payment. I think the trick is to pay extra in advance to make the statement balance £0.

Maybe. Vanquis is a bit quirky... and tricky.

As you say, one way out might be to overpay. Unless OP can get it waived.

YoungBaker

I called up today and they said this was a mistake and have refunded the £1.01 to the account. Thanks

bangersnmash

I've been caught out with this or similar lots of times over the years. Jolly tedious. You pay off the total on time and then the buggahs hit you up for some more.

So for the last few years I generally fling an extra two, five or even fifteen quid onto it to make sure that it's covered. What a nuisance.

As a result I've now got bits of credit of my own money lurking around on my credit cards. But better than faffing about having to do yet another piddling payment or maybe forgetting or not bothering in time - and, then even worse, then getting shafted for a late payment fee of twelve squids, or in the good old bad old days all sorts of humungous charges, just because I didn't do the bit of a couple of quid extra! Gawd. What a blinking bore.

That's one of the many reasons why I mostly avoid using my credit cards, if at all possible, they're often more of a pain in the goolies than a use...

grumbler

bangersnmash wrote: »

As a result I've now got bits of credit of my own money lurking around on my credit cards. But better than faffing about having to do yet another piddling payment

Just make a small purchase and then pay the balance in full (or let the full payment taken by a DD).

bangersnmash

grumbler wrote: »

Just make a small purchase and then pay the balance in full (or let the full payment taken by a DD).

Thanks for the suggestion but, no, that would be two sets of unnecessary gratuitous mucking about, every time - just for that, for a few quid.

As I'm not completely broke and needing every last few quids I'll happily just leave them where they are for now.