What banks will not charge me to pay my Cap 1 bill please?

booklover

Hello everyone

I need to pay my first Cap 1 bill and i wondered which banks will not charge me. I went to my bank Halifax (they said NO) and also the Northern Bank (I live in NI) said they would charge £5.

Sorry to be a nuisance but I don't know the quickest way to pay the bill....

Any advice please.

booklover

PS. If payment only reaches Cap 1 by the minimum payment date will I be charged interest??

nomoneytoday

An Internet payment via your bank should be free

MUM40

You could always ring them up and try to pay over the phone.

catlover1_2

I paid my Cap 1 in Barcley's the other week and they did not charge me ....but he may have assumed I had a barclays account (I don't) as I first paid cash into a friends Barclay's account that she had asked me to, then paid my Barclay's cc bill, and my cap 1 cc bill with cash ... no charges

xx

Pielander

I'm a bit confused and worried! (Just got a Cap 1 card). I've never heard of a bank charging to pay a credit card bill. When you say they charged/wouldn't do it, do you mean it was because you didn't have an account at that bank? Tht I could understand. But surely if you arrange with Cap 1 to take the min payment/full payment each month from your own bank account then it just happens automatically, free of charge like any other direct debit??? I presume you do have a bank account!

Moggles_2

AFAIK, all banks will charge if you pay over the counter.

Why not pay online? (A/C no. 81077082, sort code 40-02-50 and quote the 16 digit number on your C1 credit card with no spaces, as a reference.)

This is no faster, but costs you nothing.

If payment only reaches Cap 1 by the minimum payment date will I be charged interest??

If you clear the statement balance in full by the payment due date, you'll pay no interest, provided that you've used your card solely for purchases.

catlover1_2

Moggles wrote: »

AFAIK, all banks will charge if you pay over the counter.

.

Not true ... Barclay's did not charge me and I paid cash over the counter

xx

novagirl

catlover1 wrote: »

Not true ... Barclay's did not charge me and I paid cash over the counter

xx

It is true. Barclays are meant to charge for transactions like that if the customer does not hold a Barclays bank account. Some cashiers simply don't bother though as they assume the person in front holds the account or just can't be doing with yet another argument about it.

Milarky

Well Capital One use HSBC so I suppose HSBC ought to take the payment for free. [They charge non-personal customers a fee during 9-11 in the morning I believe, so go in after that]

catlover1_2

Ah well ... I guess ~I have been lucky not being charged:D ... will continue to pay over the counter in Barclay's of my local town as they know me ... ( I regularly deposit money for my friend about 6 times a month) and they have never charged ... I guess it is just good luck:D

gillbee

booklover wrote: »

PS. If payment only reaches Cap 1 by the minimum payment date will I be charged interest??

You wont be charged if it arrives on the minimum payment date. If you are checking your account online it is worth noting that the payment will not show up on your online statement until the day after it reaches your capital one account.