Changing Barclaycard due dates

Racinggee

Was wondering if anyone can help me.... I have a standing order set up each month to make payments to my Barclaycard and have just been caught out by them for missing the due date for a couple of payments (both of which have only been by 2 days because of the weekends).
I don't want to set up a DD because I want to have control over how much I pay, and my SO is for more than the minimum payment. I set this up for the 9th of each month, as that was when my payment was due initially.
I am a bit lax and don't check my statements each month, because I KNOW that I am paying more than the minimum payment, but when a small purchase payment was rejected last week
I looked at my previous statement and saw a late payment charge. When I spoke to the (foreign) woman at Barclaycard (who couldn't understand a word I was saying), she told me that my due date CHANGES each month because it is not always a week day.....how is this allowed when surely it should just be a monthly payment on the same date?
Does anyone have any thoughts on this because, yes I know I've been slack by not reading the due date on my statement every month, but I do think its a bit bad?
Thank you!:)

leeroy2009

you can avoid this situation very simply, and statement dates will change due to days in months erc, but only by a few days, and sorry to be harsh but you only have you self to blame - the simple anserw to this is to set up a direct debit for the min payment, and continue with your so.

4 credit cards and 10 years of using them, no late or missed payments due to the fact I have minimum payments direct debits set up on all 4 accounts, I suggest you do the same.

ps, late payments and missed will only damage your credit file too!

OllyM

Why would you do this when Barclaycard allow you to set up a fixed payment Direct Debit to pay whatever amount you like as long as it's over the minimum payment?

StuC75

Yep the dates move as its all down to days in the month, and weekends etc.. The Due date is the latest date possible, not the earliest or only.. so if you must continue with the standing order, change it to be made a week earlier,

dalesrider

Racinggee wrote: »

how is this allowed when surely it should just be a monthly payment on the same date?
Does anyone have any thoughts on this because, yes I know I've been slack by not reading the due date on my statement every month, but I do think its a bit bad?
Thank you!:)

Well given you usually get 56 days interest free if you pay in full and not all months have the same number of days.
Then what you ask is simply not possible....

It would have seen the regulator haul the credit co's well over the coals for miss advertising. :rotfl:

The answer is simple. Min DD and then a manual payment of the extra amount you wish to pay. :T

chattychappy

I too don't like DDs and never use them. I always pay manually. But if I was using a SO with Barclaycard, I'd allow a generous buffer and check the statement in good time.

Going back 4 years, my Barclaycard statement date has always been on the 16th to the 20th of the month with the due-by date being on the following 15th to 20th. On this basis, if paying by SO, I'd probably choose the 10th.

One thing I like about Barclaycard is I always get (almost) a full calendar month to pay. My other cards vary between 2 and 3 weeks.

The T+Cs I have seen have always been sufficiency vague on dates that I don't think you have much argument there.