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misssarahleigh

I just want some advice. Based on Poor math I went over my credit card limit by £1.69.

I have been charged a £12 Fee (Understandable) but have also had my 0% interest for 21 Months promotion removed and charged £68 in interest.

My gripe is the lack of communication. I wasn't notified when I went over the limit. I wasn't notified when I was charged £12. I wasn't notified that the promotion had ended. The advisor agreed that these hadn't been done as it's not "Policy".

I asked, if I had been made aware at the time of being £1.69 over, and applied a £1.69 payment to my account to match this, would I have been charged anything and had my promotion removed. The answer was No.

I don't often make mistakes, but I was under the impression (at least by experience of other financial institutions) that they had to send correspondance for this type of thing?

[Deleted User]

It’ll be in your T’s and C’s.

What do they say?

misssarahleigh

Trying to locate them!

misssarahleigh

Doesn't specify anything about their contact towards me. Doesn't specify anything about Promotions ending.

Willing2Learn

misssarahleigh wrote: »

I just want some advice. Based on Poor math I went over my credit card limit by £1.69.

I have been charged a £12 Fee (Understandable) but have also had my 0% interest for 21 Months promotion removed and charged £68 in interest.

My gripe is the lack of communication. I wasn't notified when I went over the limit. I wasn't notified when I was charged £12. I wasn't notified that the promotion had ended. The advisor agreed that these hadn't been done as it's not "Policy".

I asked, if I had been made aware at the time of being £1.69 over, and applied a £1.69 payment to my account to match this, would I have been charged anything and had my promotion removed. The answer was No.

I don't often make mistakes, but I was under the impression (at least by experience of other financial institutions) that they had to send correspondance for this type of thing?

I do not believe they are required to notify you of either the promotion being terminated or the £12 fee, as that would all be in your terms and conditions. Just so you know, they will also record a negative marker on your credit file(s)

If it were, I would ring them again. I would ask them to reinstate your promotional window as you have made an honest mistake. It would be a goodwill gesture though. You will have to be real apologetic and polite. Stress to them that you have learned an important lesson in how to manage a credit card account and that you will not make the same mistake again.