Miss sold?

TBagpuss

Is the wuote from the website, or from the actual terms and conditions? It may be that the actual T&Cs has a 'fair use' policy which restricts how often you can change it.

However, it is in the mean time worth writing to them, including a screen shot of the ad and stating that you relied on it in applying for the card, because your pay date is irregular, and that you have now been told (include the date of the phone conversation, and the name of the advisor, if you have it) that the website is wrong

grumbler

bluegirl01 wrote: »

Miss sold?

What miss? For how much?

YorkshireBoy

Aquamania wrote: »

Which card provider?

I googled that quote and all google found was this thread.

You need to Google just the 2nd sentence (as the OP, despite using quotation marks, cropped the quote!)...

http://www.aquacard.co.uk/credit-card-faq/statements-payments-faq

The OP's quote is from the 7th FAQ on that list.

Aquamania

YorkshireBoy wrote: »

You need to Google ...

No need. The OP answered my question about 4 hours ago, just 2 minutes after I asked.

planteria

bluegirl01 wrote: »

My pay date varies.

perhaps set your DD as the minimum, to ensure that you never miss a payment altogether, and then just make a manual payment to clear the full balance every time you are paid?
also, just a thought, but choosing a card with a long IFP could be handy, as it give you more chance of paying in full by the payment due date.

[Deleted User]

The way credit card billing cycles work means that you probably don't want to be changing it all the time anyway as you may end up with more on the card than you expect.

With most of mine for example, the statement date is around the 15th of the month with dement due at the start of the following month. Any purchases made after the 15th go onto the next month's statement.

If I change my billing date, my normal provider (Amex) effectively allow me to skip a payment making my next statement a combination of about two month's worth of transactions.

This isn't a problem for me as I always ensure that I have enough in my bank account to cover my CC spend but some people might be caught out and be unable to pay in full, thereby accruing interest.

Choose a billing date and stick to it and always ensure you have the funds to cover what you spend. Proper planning and always knowing how much you owe and when it is due is, after all, the foundation of of financial stability.

Monkeyballs

Am I being a bit thick in not understanding the benefit of changing your payment date? Isn't it best to just say the 2nd or 3rd of each month so when your pay arrives at the end of the month (or even in the middle, or any other date) then you have the money to pay?

LOL, I've always been paid on salary at month end so must be me?

MB

planteria

that is usual, but is not the case here if you read through the thread

PeacefulWaters

Are you, by any chance, always trying to move the next payment date further away?

BillJones

PeacefulWaters wrote: »

Are you, by any chance, always trying to move the next payment date further away?

I wondered this, too. It seems strange, as the card company does allow as many changes as the customer wants, for them just to start saying know while still advertising the service.

OP, are you moving it in such a way that you'll have stretched payments too far apart? Any day you want does not mean that you can just keep delaying them.