Credit card missed payments

Tlugz

Hello all
Basically I used my credit card beginning of July then went on holiday and on the day I returned I reported it lost as I left it at the apartment. (I never used the card on my hols)After a few days of returning home I logged on to the mbna website and it said zero balance so I thought I had paid it off. What really happened was that when they issued new cards they never put the new card on my website. So I think I've logged onto mbna about 6 times no to take a quick look and it always says zero balance because it has the old card registered. After calling them they said to me that I needed to log on and register the card but they never ever informed me of this. I have now missed 2 payments. Surely they should update the website card details when a new card is issued?

jonesMUFCforever

The new card would have had a sticker on it telling you how to activate the card.
Had you done this the new card statement would have been visible to you.

Tlugz

Yes I activated the card probably after 3 weeks but it still did not update my online account with the new no. I had to manually add the card myself.

chattychappy

Based on what you say, I think you have been treated unfairly. MBNA should generate and send/make available a statement to you. Unless they have done this, or the steps needed to obtain the statement were made clear to you, then I think it's unfair to charge you for missed payments or report the account is late (though the latter is more tough to call). They should be able to tell that you'd logged in to check.

Against this, T+Cs usually contain a provision to say that the payment is due even if you haven't received the statement (to stop people denying postal receipt) and you should have known that payments were due* and could have called them. Indeed I've just had a similar situation with a new CC so I called up to ask what was due and when.

(*yep, you thought you had paid. But that was your mistake..!)

I would argue it and hope that a reasonable compromise can be reached. Most CCs are willing to do a deal for a good customer. It's goodwill and saves the expensive of a protracted debate. The late markers will fade in importance over time, but perhaps avoid any new applications over the next 3 to 6 months.

[Deleted User]

Tlugz wrote: »

Hello all
Basically I used my credit card beginning of July then went on holiday and on the day I returned I reported it lost as I left it at the apartment. (I never used the card on my hols)After a few days of returning home I logged on to the mbna website and it said zero balance so I thought I had paid it off. What really happened was that when they issued new cards they never put the new card on my website. So I think I've logged onto mbna about 6 times no to take a quick look and it always says zero balance because it has the old card registered. After calling them they said to me that I needed to log on and register the card but they never ever informed me of this. I have now missed 2 payments. Surely they should update the website card details when a new card is issued?

You should have been issued a monthly statement requesting payment. This may have only been online if that's the way you operate, but you haven't missed a payment if they have not issued a statement.

If they did issue a statement, and you didn't pay at least the minimum required by the due date then:
a) why?
b) you have missed payment, you will be charged, as you have missed more than 1 request in a row, then your credit file will almost certainly be adversely affected.

Also how can you think you paid a credit card bill? :huh:
I certainly know when I have paid my credit card bills, and I look forward to the next monthly statement to verify that fact. I might see how someone could possibly miss 1 monthly statement, but not 2 consecutive ones.

And if you are continuing to spend on the card, the you need to be paying monthly. (as you do if there is an outstanding balance carried forward)

[Deleted User]

Tlugz wrote: »

Yes I activated the card probably after 3 weeks but it still did not update my online account with the new no. I had to manually add the card myself.

:huh:

Whenever MBNA have issued me a replacement card (and I've had many over the years) I've never had to do anything like add it to my online account - afterall, it is the same credit card account

(Only if you get a brand new account might you have to add it - I don't know, as I only have the one credit card account with them)

chattychappy

Starline wrote: »

Also how can you think you paid a credit card bill? :huh:
I certainly know when I have paid my credit card bills, and I look forward to the next monthly statement to verify that fact. I might see how someone could possibly miss 1 monthly statement, but not 2 consecutive ones.

And if you are continuing to spend on the card, the you need to be paying monthly. (as you do if there is an outstanding balance carried forward)

I think the OP explained all that. Thought (s)he' paid - I've certainly done that. Did check online, but saw the zero balance so thought all was OK. Didn't use the card again. So the online zero balance continued to make sense. A combination of a mistake and circumstances.

Starline wrote: »

:huh:
Whenever MBNA have issued me a replacement card (and I've had many over the years) I've never had to do anything like add it to my online account - afterall, it is the same credit card account

(Only if you get a brand new account might you have to add it - I don't know, as I only have the one credit card account with them)

When you say "replacement card" was it one that you reported lost?

I had the same thing when I lost an MBNA card. I had to add it to my online system. Different CCs do different things. Nationwide, annoyingly, delete the old card of the system instantly. You can't retrieve anything. The new card appears automatically. You say its the "same credit card account". It's covered by the same agreement, but I think administratively it is possible that they set up a different account to separate what was compromised from the "fresh start".

[Deleted User]

chattychappy wrote: »

When you say "replacement card" was it one that you reported lost?.

Over the many years I've had a number of replacement cards for numerous reasons including:
a) Card reported lost/stolen
b) Card became damaged
c) Card due to expire

I'm sure MBNA can see administratively which particular card was used for which transaction (they always have a new card number!) but as I say they all relate to the same credit account and so I've never (as far as I recall) ever had to add them online.

In fact I've just checked, and whilst there is an option to add an additional card if you have more than one account, it also asks for the credit limit of that account.

So if you have a credit limit if say £10k, if you could succesfully add another card at the same time, you'd effectively have a total credit limit with MBNA of £20k

You also look at these accounts individually.

But I've never done that; the transactions no matter which card I used are all added to the same statement as it's just one credit account.

I also note that MBNA send an email to inform you of any new item (such as a new message or in this case, a new statement) is available to you online.

As I said, you can't be expected to pay anything if the card provider doesn't ask, typically by way of a monthly statement. If an account is not online, then paper statements are issued by snail mail (as they can be even if you do have an online account)

Things not quite stacking up with the OP's story for me here.

( I can't comment about how Nationwide do things as I don't have a credit card of theirs, and this thread is about MBNA anyway )

chattychappy wrote: »

I think the OP explained all that. Thought (s)he' paid - I've certainly done that. Did check online, but saw the zero balance so thought all was OK. Didn't use the card again. So the online zero balance continued to make sense. A combination of a mistake and circumstances.

For every credit card I've ever had, whenever you pay a card off in full (and there are no further transactions) you still receive a statement the next month showing the payment was received and the balance is zero.

Heffi1

Did you use the card to purchase anything? If so then you would know you would have to pay something back.


Was the old card sitting with a zero balance? If so then you would not have anything to pay.


Unless you bought something or used it to pay for something like a meal etc. if that is the case then you would have expected to receive a bill either paper or online, and if it was showing a zero balance after your purchases, then this should have raised some concern that your purchases were being applied to the correct account.


Did you think because the account said zero you did not have to pay.

chattychappy

Starline wrote: »

Over the many years I've had a number of replacement cards for numerous reasons including:
a) Card reported lost/stolen
b) Card became damaged
c) Card due to expire

I'm sure MBNA can see administratively which particular card was used for which transaction (they always have a new card number!) but as I say they all relate to the same credit account and so I've never (as far as I recall) ever had to add them online

....

( I can't comment about how Nationwide do things as I don't have a credit card of theirs, and this thread is about MBNA anyway )

OK, so you lost an MBNA card and didn't have to add it manually? But I wrote:

chattychappy wrote: »

I had the same thing when I lost an MBNA card. I had to add it to my online system.

So perhaps they do different things in different circumstances? Or changed their policy?

Starline wrote: »

( I can't comment about how Nationwide do things as I don't have a credit card of theirs, and this thread is about MBNA anyway )

It demonstrates that there is no universal way of handling these things. The industry hasn't settled on a standard procedure.

Or:

Starline wrote: »

Things not quite stacking up with the OP's story for me here.

Perhaps you think my story doesn't "stack up" either?