claiming credit card charges back

carolfunkydiva

Read in Martins weekly update about claiming back unfair credit card charges. I have been charged 'just' interest (£54) but had no fixed fee imposed as Martin mentions (he talks of these normally being £12). Does reclaiming mean I can claim back interest?
Thank you

_Andy_

Why is being charged interest on a credit card 'unfair'?

carolfunkydiva

Perhaps Im not being clear.
Martin speaks of claiming back charges on the site, quote:

This is a step-by-step guide, including template letters, to force your current or old credit card provider(s) to repay the last six years of late payment fees or charges for going beyond your limit: often you can get £100s or even £1,000s back.

In 2006, the Office of Fair Trading ruled these penalty fees of up to £35 were unfair, and many believe they’re actually unlawful. So use this guide to join the 100,000s who’ve reclaimed their cash and got their money back. And if you’ve heard bank charges reclaiming is on hold… don’t worry, credit card reclaiming isn’t! end quote

I'm just wondering if interest is deemed to be a 'late payment charge'. For one month only I did not pay my balance off in full and thus got charged interest. Is this the same as 'late payment charges or fees' as Martin refers to or is that something different?

_Andy_

No it's just interest. Lender is quite entitled to charge interest if you have an outstanding balance on your credit card.