NEW DAY AMAZON CARD LATE PAYMENT

sizzler

Good Morning,
I was awarded an Amazon New Day Credit Card and some Vouchers. All my usual transaction with amazon have gone on my registered debit card. the transaction was only 30 pound.I did a transaction and did not realise it had gone onto my New Day card. The card was not activated and I had never set up my online account. i received a text to say I had missed a payment and would receive a £12 late payment charge and a mark on my credit file!!!! I hadn't received a statement or any correspondence up until this time. I went online set up my online account and paid the balance and fee in full. i want to dispute the mark on my file and close my account. Any advice or guidance please before I ring them
Regards Sizzler

[Deleted User]

Apologise, make the payment there and then, set up a DD and ask if they would consider waiving the fee and not reporting to the CRAs.

If anyone awards you a card in future, make sure you actually want it before accepting the award.

phillw

Deleted_User said:

Apologise, make the payment there and then, set up a DD and ask if they would consider waiving the fee and not reporting to the CRAs.

I'd ask if they would consider waiving any interest too.

sizzler

Thanks guys as soon as i got the text I paid the full balance and charges.

D3xt3r5L4b

sizzler said:

Good Morning,
I was awarded an Amazon New Day Credit Card and some Vouchers. All my usual transaction with amazon have gone on my registered debit card. the transaction was only 30 pound.I did a transaction and did not realise it had gone onto my New Day card. The card was not activated and I had never set up my online account. i received a text to say I had missed a payment and would receive a £12 late payment charge and a mark on my credit file!!!! I hadn't received a statement or any correspondence up until this time. I went online set up my online account and paid the balance and fee in full. i want to dispute the mark on my file and close my account. Any advice or guidance please before I ring them
Regards Sizzler

So you didn’t read the Terms and Conditions where it says your default payment card will change to the Amazon Credit Card?

born_again

Remember to take note when purchasing  anything of the card the funds are being taken from. As it clearly tells you when confirming the purchase.
But as above it is clear that taking the card makes it the default payment method.

sizzler

Thanks for advice.
I rang the company and they have removed mark from credit file and refunded my account charges and interest.
Regards Sizzler

D3xt3r5L4b

sizzler said:

Thanks for advice.
I rang the company and they have removed mark from credit file and refunded my account charges and interest.
Regards Sizzler

Maybe next time you’ll read the T’s and C’s properly?

cymruchris

A good result - but keep an eye on any new financial products you take in future as to any caveats that come as part of the ‘deal’. It’ll always be there in the terms on screen / we just rarely read them, and then things like this happen. 

👍