Interest charges accrued while unable to access the app

The_Living_Coin

Here's a thing - I had debt sitting on a credit card for some time. The fact that it is so difficult to speak to an agent withouth being on hold for ages and I found the app impossible to access meant that every month I would look at it and then give up, meaning another month of interest even though I was not using the card. I finally paid it all off in one lump sum (I sold my car), but now it really annoys me that I paid about £100 per month for a few years because I found it so difficult to engage with the credit card company. Even as I type this I keep getting "session timeout" when trying to chat to them. It drives me so crazy I just have to walk away (I think I'm a bit ADD - I just discovered what that is recently)...does anyone else have this ? It feels very frustrating!

Belenus

Could you not have used the internet to access the account?

My wife and I have about ten credit cards between us. Some of them are for interest free stoozing, some are for travel and some are for normal purchases. We never pay any interest on any of them as we have direct debits set up to pay in full every month..

I manage all of them on the internet from my sofa with ease. I rarely need to speak or chat to anyone. 

The only time I use a mobile phone app is a recently acquired Nat West card that does not allow balance transfers via the internet, only via the app or by phone. Once set up the app is a doddle to use.

user1977

Why do you need to either talk to anyone, or use the app, in order to make payments? Which lender are we talking about?

Alderbank

If you are a dinosaur you can even walk into any post office and make a payment over the counter.

Are you really saying that you looked at your card statement each month, with all the stuff at the bottom about how to make a payment, and couldn't figure out how to make a payment?

vacheron

The_Living_Coin said:

Here's a thing - I had debt sitting on a credit card for some time. The fact that it is so difficult to speak to an agent withouth being on hold for ages and I found the app impossible to access meant that every month I would look at it and then give up, meaning another month of interest even though I was not using the card. I finally paid it all off in one lump sum (I sold my car), but now it really annoys me that I paid about £100 per month for a few years because I found it so difficult to engage with the credit card company. Even as I type this I keep getting "session timeout" when trying to chat to them. It drives me so crazy I just have to walk away (I think I'm a bit ADD - I just discovered what that is recently)...does anyone else have this ? It feels very frustrating!

Sorry, but you are saying for "a few years" you knowingly sat on a £100 per month interest charge because "sitting in a hold queue for ages" was "so difficult"?

This adds up to thousands of pounds. Did you think waiting in a queue with all the other customers (who all seemed able to wait) was somehow more difficult than working for a whole month or more from nine to five, five days a week, because this is the amount of money you will have knowingly wasted by your years of inaction!

You say it really annoys you, but clearly it did not annoy you enough to wait with a phone reciever to your ear for 45 minutes while you watched a TV show in the background or something.

I have 9 credit cards at the moment, open and close (over the phone) about 4-5 cards every year and have done so for about 15 years, and never had to wait on the phone for more than 20 minutes, plus every card I've owned allows you to make ad-hoc payments on their website, I've never needed to use an app chat or phone call to acheive this. 

bris

The easiest way is bank transfer, very simple to set up and do, if you can use an app then bank transfer is a doddle.

As already said there is multiple ways to pay the card, the app is only one of them.

Why do you need to chat to them?

You can even just go to their website and pay on that, or at least you can with the cards I have, no app, no need to go to the bank or post office just you PC or laptop