Over credit limit

nl8517

Hi
I recently, a complete oversight, went over my credit limit because I am on a payment holiday for my credit card. I didn't realise the interest charged would take me over. I have never missed a payment, defaulted, made a late payment, yet I received a letter to say it had been passed to a collections agency. I immediately made a payment to bring me back into my limit but I am now worried I am now going to be getting calls and letters from the collection agency! Can anyone advise? Thanks in advance 

LordSomebody

You should be fine in terms of being chased now you’re up to date.

[Deleted User]

The collection agency won't call because there's nothing to collect.

jonesMUFCforever

I find it difficult to believe that a credit card lender would call in debt recovery in such a position that has been described....unless we have had only half the story.

digalumps

agree with you - they would not

nl8517

I find it difficult to believe that a credit card lender would call in debt recovery in such a position that has been described....unless we have had only half the story.

Short of posting a picture of the letter I can assure you this is the case. £5k on the card, no missed payment. Yes I only make the minimum payments and therefore haven't seen the balance move much because I then need to use it again near the end of the month but 2 days after realising I was over I received the letter. 
I was sure these forums were for help and advice, not to be made out as if you're a liar 🤔

Data_grl

Is it a collections agency or just the collections department? Most banks will have a collections department that are responsible for contact about overlimit or late/ missed payments, but is still part of the bank rather than the separate company that a collections agency would be.

Mrjuls33

Question are you paying interest on this debt? If so may be wise to move it to a balance transfer option.....