barclaycard- over credit charge

leeegglestone

Has anyone known this before

I withdrew moneyback to my Barclaycard, which meant i was in Credit, above my actual Credit Limit.

They put a £12charge on, i could understand if i had spent more than my Limit, but its the opposite.

Has anyone experienced this before?

I remember doing this few years ago, to provide a safety net, for my trip to Australia :mad:

johnmoney05

Did you mean that you take cash from your credit card? If that was the case, it is treated as cash advance as I know.

leeegglestone

no no, i didnt take cash,

I had money returned to my barclaycard.
I sent too much from my Bank, to my Card, to cover the transactions id placed, this took me over my credit limit. so I was in Credit. no debt. and i got charged for being in credit

barclaysguy

Not a charge ive heard of, seeing your statement would help, have you tried customer service?

leeegglestone

from my statement

please be aware there is a credit balance on your account of £240, thereyou dont need to make a payment this month

Please be aware you incurred an over credit limit charge this month as you exceeded your credit limit

So im £240 in credit,
and charged me £12 - over credit limit charge

leeegglestone

i may use this as ammunition for a better deal, once my 2% cashback deal ends ;-)

methusala_2

It looks like all your monthly transactions added up to taking you over your credit limit on the card before your payments/transfers hit the card ? Is this the case ? I know Barclays allocate payments to transactions on the card on the statement date and not when the payment arrives.

DestroyingAngel_2

methusala wrote: »

It looks like all your monthly transactions added up to taking you over your credit limit on the card before your payments/transfers hit the card ? Is this the case ? I know Barclays allocate payments to transactions on the card on the statement date and not when the payment arrives.

I agree with methusala.

Leeegglestone, do check your statements and transactions to make sure you did not indeed go over the limit with your spending, before you paid it off. If you were even 1p over your credit limit, this would count as being overlimit and you would get the overlimit fee.

johnmoney05

Why not post your transactions on the statement here? Blank the sensitive information, then we know what you are talking about?

leeegglestone

i dont think you guys are grasping. i have not gone over my spending limit.

This Card limit is £1500, but because i sent more than my required payment,
technically my credit limit is £1740.

My Card statement is in Credit, at no point has the card gone into debt.

thats why they said i did not need to send a payment for my nxt statement
Statement says
Previous Balance - £697
Payments recieved - £3900
New Transactions £2961

leeegglestone

Previous statement £697
20th may - 700CR
27th 800CR
2nd june 700CR
5th June 1000CR
9th June 700CR

15th May 700
21 May 800
21 May 9.99
28th May 700
30th May 90
4th June 700
9th Over Credit Limit Charge 12
9th June Purchase 2% Cashback 50 CR