credit card refunds

baudsley

All,

I have had 2 credit cards in my life - a barclaycard and a capital one card.  Both have been maxed for a very long time, but recently, barclaycard refunded a whole chunk of my debt, for little things like not sending letters when they should have or overcharging when on a forced repayment plan.  

Capital one has consistantly charged me for everythign they possibly could for at least 20 years, and im sure they have charged me when they shouldnt over the years.

My question is, why have i recieved multiple refunds from barclaycard, but never a penny from capital one?

tip of the day - never, ever, ever have a credit card!  i probably could have bought a house by now!

[Deleted User]

baudsley said:

All,

I have had 2 credit cards in my life - a barclaycard and a capital one card.  Both have been maxed for a very long time, but recently, barclaycard refunded a whole chunk of my debt, for little things like not sending letters when they should have or overcharging when on a forced repayment plan.  

Capital one has consistantly charged me for everythign they possibly could for at least 20 years, and im sure they have charged me when they shouldnt over the years.

My question is, why have i recieved multiple refunds from barclaycard, but never a penny from capital one?

tip of the day - never, ever, ever have a credit card!  i probably could have bought a house by now!

If Capital One followed the rules (or have not been penalised by the FCA) then they wouldn't need to refund you. Do understand that technical mistakes like not sending out a letter means that they cannot charge you interest for example, it doesn't mean you didn't owe the money but they are not allowed to claim it. If Cap One dotted all the i's and crossed all the t's then there is no reason to refund you.

Your tip is perhaps right for some people but many people have cards that they use for the benefits and section 75 protection