£12 over limit fee for going 73p over for 2 days

powerful_Rogue

moneymoner said:

powerful_Rogue said:

Keep away from the top end of your limit and you won't get any over limit fees.

So how would that work in this case:

https://www.moneysavingexpert.com/news/2021/07/changes-to-pay-at-pump-up-to-p100-withheld-from-customers-accoun/

It isn't by ignorance that I go over my limit, it's when situations like tthe above cause you to.

If you have a credit limit of £1000, don't utilise 90% of it and then try and buy fuel.

RogerBareford

moneymoner said:

powerful_Rogue said:

Keep away from the top end of your limit and you won't get any over limit fees.

So how would that work in this case:

https://www.moneysavingexpert.com/news/2021/07/changes-to-pay-at-pump-up-to-p100-withheld-from-customers-accoun/

It isn't by ignorance that I go over my limit, it's when situations like tthe above cause you to. I've had direct debts declined when this type of transaction has failed to reverse the payment back. I very rarely take more than £10 of fuel and many supermarket stations don't even have a kiosk anymore.

Only £10 of fuel at a time? At current price that must be just enough to get your off the forecourt and drive round to fill up again

But seriously why do you fill up so little? I always put a full tank in no matter how far i'm planning on going as that means less trips and time spent refilling.

born_again

Good job you do not live in Europe then. They have had a 120 Euro pre auth for at least 10 years on Pay At Pump.

There is also the other option. Do not use petrol stations that do not have the facility to pay someone.

End of the day you can argue the £12 is unfair. But it is a limit set by FOS based on costs of a customer going over their limit. 

Fighter1986

moneymoner said:

born_again said:

Good job you do not live in Europe then. They have had a 120 Euro pre auth for at least 10 years on Pay At Pump.

There is also the other option. Do not use petrol stations that do not have the facility to pay someone.

End of the day you can argue the £12 is unfair. But it is a limit set by FOS based on costs of a customer going over their limit. 

It's more convenience and the fact that I have 4 kids screaming in the back of car that I just what to get home as quickly as possible to unload. The traffic goes at a snails pace where I live and the extra 15 mins to next service station is not worth the ear pounding I get from the kids.

Yeah, I agree it's fair by the FOS to charge the fee but that does not mean I can't complain about it or support the the OP's argument does it.

If you disagree with the charge of £12 for going over limit then use a card which does not have a £12 fee for going over limit.

That, or don't go over limit.

If you aren't living hand to mouth you can make interim payments throughout the month to your credit card from your current account to keep it further from its limit.

This will also improve your chances of being eligible for a limit increase in future. 

F'inf and blinding about your kids isn't a great way to keep them calm and quiet. Kids are very impressionable, they will mirror your angst just as much as your calmness. 

NoodleDoodleMan

FaceHead said:

As above, I miscalculated the credit available on a card, which pushed it 73p over it's limit after buying a few things. 

Two days later I saw this land on the statement and hastily put a payment on the card to bring it back into it's limit. 

I've now been slapped with a £12 over limit fee. 

Seems quite disproportionate to going pence over. Is it worth asking the provider to be a bit more forgiving with this, or is message that they have to earn a living somehow, SoBe more careful in future? 

I've only just clocked this thread - so apologies if I've missed an appropriate response.

A couple of times I've inadvertently been late by a day settling a credit card statement, generating a small fee, as above.

Each time I've called customer services and politely expressed contrition - first time offence etc. - both times the fee was cancelled as a goodwill gesture, with an equally polite warning - don't do it again, there will be no second reprieve

However, the bottom line is that it still behoves the card holder to abide by the Ts&Cs of the agreement.

eskbanker

OceanSound said:
millions of customers affected by unarranged overdraft charges. All now receiving/received refunds.

Eh?  What gave you the impression that everyone charged for unarranged overdrafts is being refunded?

moneymoner

NoodleDoodleMan said:

I've only just clocked this thread - so apologies if I've missed an appropriate response.

A couple of times I've inadvertently been late by a day settling a credit card statement, generating a small fee, as above.

Each time I've called customer services and politely expressed contrition - first time offence etc. - both times the fee was cancelled as a goodwill gesture, with an equally polite warning - don't do it again, there will be no second reprieve

However, the bottom line is that it still behoves the card holder to abide by the Ts&Cs of the agreement.

Yeah, but its all fine and dandy when the credit card provider makes a mistake and gets off free with no charges.

If the card holder makes a mistake as you mentioned, its a slap in the face and £12 fee which is not a small amount BTW. I would have to work an hour for that money.

I dont bother paying fees, I simply call them up and say, take the fee off my account or I stop paying. That always works for me and I don't take any of their threat's of credit score damage or defaults either.

NoodleDoodleMan

moneymoner said:

NoodleDoodleMan said:

I've only just clocked this thread - so apologies if I've missed an appropriate response.

A couple of times I've inadvertently been late by a day settling a credit card statement, generating a small fee, as above.

Each time I've called customer services and politely expressed contrition - first time offence etc. - both times the fee was cancelled as a goodwill gesture, with an equally polite warning - don't do it again, there will be no second reprieve

However, the bottom line is that it still behoves the card holder to abide by the Ts&Cs of the agreement.

Yeah, but its all fine and dandy when the credit card provider makes a mistake and gets off free with no charges.

If the card holder makes a mistake as you mentioned, its a slap in the face and £12 fee which is not a small amount BTW. I would have to work an hour for that money.

I dont bother paying fees, I simply call them up and say, take the fee off my account or I stop paying. That always works for me and I don't take any of their threat's of credit score damage or defaults either.

What mistake has the credit card provider made in this case ? That line of arguement is inadmissible.

How long it takes you to earn £12 is also irrelevant.

The fee is a penalty for breaking the Ts&Cs.

If you think you have been harshly treated - I suggest take your complaint to the Financial Ombudsman.