Charged a default fee for interest charges!

edited 30 November -1 at 1:00AM in Credit Cards
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splattycatsplattycat Forumite
2 Posts
edited 30 November -1 at 1:00AM in Credit Cards
I recently moved house, and to do so, I had to borrow off my credit cards until my sale completed. I made sure I stayed in my limit, and one of them was 40p under my credit limit! (last transaction 26th Sept) When the direct debit came out, I was a bit surpised at the amount taken, so I checked online. It turns out, they charged £55 interest on the 8th October, which took me over my credit limit, then added a default sum of £12, and then took the direct debit out on the 20th. I then lost my 0% rate! I have spoken to them today, and after HAGGLING from putting it back down 4.9%, I got it back to 0%, but they wont refund the interest charged this month. Are they right, or am I?

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