barclaycard

Willsnarf1983

basically i paid of my credit card with barclays and phoned them up to cancel them and the women convinced me to keep it open but cut the card up for credit rating to be increased, stupidly i said yes, well two months later i had a statement come through saying i still owed £1.27 plus 2p for interest. i phoned barclaycard up and asked why this is the first i had heard of the money owing 2 months later in a statementand not one month after asking for payment and i asked whether it wud affect my credit rating missing this payment as i didn't realise i still owed and the guy said no it wudn't because it was such a small amount....i don't really believe him so any reassurance wud be great and i think next month i will get a credit rating from experion.

Also the women originally didn't mention any balance remaining when i asked to close the account............

Will

mountainofdebt

To be honest I don't think you have missed a payment as I'm sure had you, you would have been facing a £20 non payment fee as well but having said that it wouldn't hurt to get a copy of your credit report.

When did you pay off the balance was it before or after the statement date?

What are the brought forward balance figures....this may give you a clue as to whether or not you have missed a statement or not

Willsnarf1983

i did ask about the £20 charge but they guy said barclaycard had not charged me for not paying this month, and tbh i don't think the guy knew alot of what he was on about. i basically finished using the account 2 months ago and today was the first i knew i still had a balance on and they had charged me 2p interest.............best get back on the phone me thinks


Will

THE_ROCK84

Willsnarf1983 wrote:

i did ask about the £20 charge but they guy said barclaycard had not charged me for not paying this month, and tbh i don't think the guy knew alot of what he was on about. i basically finished using the account 2 months ago and today was the first i knew i still had a balance on and they had charged me 2p interest.............best get back on the phone me thinks


Will

barclaycard charge a mininum of 50 pence interest. :mad:

Willsnarf1983

well they havn't trust me it says 2p interest on the statement, it went from £1.27 to £1.29 owing

i am so !!!!!!...


Will

Willsnarf1983

just spoke to barclaycard again and the guy put me thru to a supervisor who refunded my card and said my credit rating wudn't be affected coz the amount is under £2 and generally the debit cards wud not allowed for anything less than £2. so all was well in the end.....


Will