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default letter of credit card - nuts

longwalks1
longwalks1 Posts: 3,850 Forumite
Part of the Furniture 1,000 Posts Name Dropper
in Credit cards
I received today a letter from Barclaycard about a default payment to my card (I have £5k on interest free BT on it) , charging me £12 fee which I'm happy to pay. Please tell me this doesn't mean I lose the 0% BT offer?

Is there anyway around losing the 0%? (I know I should of paid on time)

Thanks in advance

Comments

  • Rosco32
    Rosco32 Posts: 242 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I've had several BT cards over the years shifting debt between them and they all said missing payments will mean the loss of the 0% offer and would revert to the standard APR. Thankfully I never missed a payment, but suggest you call them and check and see if you can 'haggle' if needs be.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Why no direct debit for the minimum balance? No excuse for late payment.
  • longwalks1
    longwalks1 Posts: 3,850 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks guys, and yes i know i was a fool, my mistake. Spoke ot them today and explained i mortgage with them and never missed a payment, had 2 cards previously with them in last 4 years, never defaulted and they were happy to let me stay on the 0% deal!

    Can breath again!
    Thanks for your help anyways
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