Inadvertent payment on Barclaycard Rewards with 0% balance outstanding

sausage_time

I have an unexpected charge on my Barclaycard Rewards card from Google Wallet (details here). It's a nuisance because I have a 0% balance transfer running with some time to go on that card - and I have avoided using it for any purchases (or advances). Obviously I want to avoid any interest charges. The 1% minimum payment next month will more than cover the unexpected purchase charge. Looking at the T&Cs I think that just allowing the minimum payment should be sufficient…

How we allocate payments
If a payment you make is less than your total outstanding
balance as shown on your statement, we’ll use it as follows:
• If you have any instalment plans on your account, to
make any instalment plan payments due for that month.
• To reduce your main balance (your statement balance
less any instalment plan balance). We’ll start with the
balances charged at the highest interest rate first and
then reduce the lower-rate balances. If you have more
than one promotional balance at the same interest rate,
we’ll use your payment to reduce the balance with the
promotional rate that ends first.
• If you have any instalment plans on your account, to
reduce any remaining instalment plan balance. If you
have more than one instalment plan, we’ll use your
payment to reduce the instalment plan that ends first.

Anyone have any experience of this situation?

flaneurs_lobster

If it was a card that you just intended to hold a transferred balance on and not use for spending, why did you add it to your Google Wallet?

sausage_time

https://forums.moneysavingexpert.com/discussion/comment/82148889#Comment_82148889

I have used it in the past for travel and cashback so it was already in Google Wallet. I did not expect any contactless transactions to be applied to the card, still don't understand how that happened. Yes I should probably have removed it, and I have done so now!

molerat

You have taken one part of the t&cs out of context, that only states which bits will be paid off first and higher interest bits must be paid first by regulation. What does the "interest free period" section, probably the most important bit, state ?

My BC terms state as below (my bolding)

Interest free period

Maximum 57 days from date of transaction for any new transactions that have been added
to your account since your last statement, if you pay your balance, excluding any
promotional balances, in full and on time each month.

which means no interest would be charged as long as you pay enough to cover the purchases / total balance minimum payment amount.

sausage_time

https://forums.moneysavingexpert.com/discussion/comment/82149004#Comment_82149004

My wording is the same, so my takeaway is that in my case making the minimum payment will suffice (because that's more than my surprise purchase).

HillStreetBlues

https://forums.moneysavingexpert.com/discussion/comment/82149056#Comment_82149056

Lloyds is the same, as long as you pay off the purchase in full then it doesn't effect the BT.
Worked well it's a good way to eek out a bit more as the balance doesn't decrease, but a mistake could be costly.

surreysaver

You can mix purchases and balance transfers with a Barclaycard. Just make sure the purchase is paid off in full, or is covered by the minimum payment. Also make sure you wait until the purchase is statemented before paying it off.

Nebulous2

https://forums.moneysavingexpert.com/discussion/comment/82148904#Comment_82148904

There is another recent post somewhere, that I can't see at the moment, discussing google wallet payments coming from an unexpected card.

There may be gremlins in the system…..

grumpy_codger

https://forums.moneysavingexpert.com/discussion/comment/82149418#Comment_82149418

» Multiple card transactions in Google Pay

Nebulous2

https://forums.moneysavingexpert.com/discussion/comment/82149450#Comment_82149450

Thanks - I see the OP has contributed to that thread, so is already aware of it…

born_again

Pay the required min amount + the google pay charge + a couple of £ extra. once it is all statemented.