Credit Card Company Phones Me Up !
Sat, 10/01/2011 - 11:49
by the.gofaDamn credit card phoned me up the other day.
I had missed a payment due to having a paying out spell and of course I forgot to contact them and say that things went a bit pair shaped.
I looked at my diary while on the phone with said credid card company and I said oh I can pay you X amount of pounds on the .... October.
They said oh thats ok I shall put a note on your account and all will be ok now while you get back on track.
So may in the first place if you phone them up and say look had a couple of unexpected bills and it has put everything out of alingment it should buy you a bit of time to get back on track.
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i paid to much back to my credit card company and ended up £496 in credit.?
i have phoned them up this evening and explained my mistake and they have said that they will see if they can send me a cheque for the amount i overpaid, however during the phonecall i was told that by paying to much i have broken the terms and conditions of the agreement with them, i just wondered if anyone else had done this and if so what will happen because of this? is it likely that i will get charges or that they will stop my card or will i just get a warning? also is it likely to affect my credit score? hope someone can answer this, thanks in advance x
p.s. it is a vanqis visa card
to steven e, i know its hard to believe but really did happen. it was an honest mistake, i have another card with £1500 limit and for some reason thought that it was this card that had this limit too. i paid what i thought i needed to pay to clear the balance and that is how it happened, however i dont see how your answer is supposed to be any help and i was under the impression that this site was intended to be used for useful replies
to francisterrance, i am not just going to waste the money, i wanted to try and get it back in cheque form so i can put it in my savings account to earn some interest on it or use it to pay other bills. and how you can say more money than sense to me when you dont know me i dont know. i was actually being sensible by trying to clear credit card balance. thanks
to trevor l
that is why i payed off the credit card, so as i wouldnt get charged any more interest, i just made a mistake whilst doing this and overpaid. i was using the credit card because i obviously didnt have money at the time. i have now opened a savings account and that is what i will do with the money i have back that was overpaid.
I did a similar thing, but I only paid £3.62 too much. It has just been sitting there since, and will continue to do so until I use the card again. What I find annoying is that if I owed the credit card company ANY amount then they would charge me extortionate interest, yet they won't pay the customer for holding their money!!!How do I take payments via debit/credit card for my company?
Thinking of setting up a small company and will need to take payments via phone, internet and especially debit/credit card. I already have Paypal account but want to offer more options. What is the best and especially most secure way of doing this ? I will also keep records. Apologies if this question seems simple to some, but I am just starting out and need to be guided in the right direction. Thanks for any useful replies :)
thru paypal you can accept debbit and credit card transactions even if they do not have a paypal account -
You can set up your PayPal button to accept direct Visa and Mastercard payments from users without prompting them to sign into their PayPal account The user would still be directed to a PayPal page, however, they would not be prompted to sign in.
Please note that in order to accept credit card payments, you must have a PayPal merchant account.
To allow your customers to pay directly with a credit card:
1. Log into your PayPal account at www.paypal.com
2. Click the Profile subtab.
3. In the Selling Preferences column, click Website Payment Preferences.
4. Click the PayPal Account Optional radio button On.
5. Click Save.
Your PayPal account is now set up for direct credit card payments from your customers.
hope this helps.Can you negotiate a deal with a credit card company?
I have a loan i'd like to pay off using a credit card. I'm not in any trouble, have plenty of money and have a great credit rating so what i was thinking is this. I phone up the card place and say i want to pay off this loan with my card but only if they do it for 5.9% for the life of the loan as i'm currently paying 8.4% with 2 years left. I don't want to pay the usual 16% APR on the card so i was wondering if card companies negotiate deals like this or do they just say no? Have you ever tried it?
I'm in the UK yes. I'm just thinking they'd rather be earning 5.9% of something than the 100% of nothing they're earning at the moment.
Ask them. The worst they can say i no.people who call from the bank/credit card companies etc...do you give them info over the phone?
why is it when a bank/credit card company etc ring YOU on YOUR house phone they ask you to confirm your date of birth and address before they will speak to you? I never give it..after all they are ringing ME....and for all i know it could be a con. then they get annoyed and hang up...who else does this?
ps..just to make this clear these are companies you ARE with..
No, if someone calls my house they need to confirm who THEY are; I know who I am & it's only polite to identify yourself when calling.What can I do regarding a late fee for credit card payment?
I signed up for a credit card in JJB sport shop and was told I've about 52 days to make the first payment. I spent about £17 which I paid within this 52 days. That's a while back. Recently the credit company "Sigma Bank" phoned me up and said asked me to make a payment over the phone an amout over £41,85. I asked what this bill consistes of and I was told 2 late fee charges over £20 each plus interest. I said I've already paid the amount I spent before the 52 days time limit. But they said I'd have made the first payment within 28 days which I failed to do. I paid the full amount I spent 3 days later so there was a late fee charge over 20 and another 20 after that. I've never received their bill and I's told They would waive off one late fee if I'm willing to pay the rest of the bill. I said to them they can't actually charge more than £12 at a time and they said that does not apply for credit companies but banks. But They are called Sygma Bank. So What can I do? Help!!!!
What they are saying to you about the fees is incorrect. In April 2006 the OFT capped the fees at £12, and this is the most they can charge (see report below).
If the fee is over £12 you would be able to claim back the difference between £20 and £12, but frankly its not really worth doing. Instead, I would try and use the information below to argue them down.
Regarding the 52 days, I think there was some confusion here. What im sure they meant, is that you don't have to pay interest on purchases for 52 days, not that you don't have to pay at all. You still have to pay monthly, but if you pay off all the transaction before the 52 days, you won't pay interest.
I would ring up the bank and see what they can do for you. In the end, if they waive one late fee, then you only owe £20, compared to if you get them to drop the fee to the correct amount, then it would be 2 x £12 which is £24. So although the £20 is over the limit, you`ll actually save £4 if you pay this.Is MBNA & Its Ghastly Voice Recognition System Now The Worst Ever Credit Card Company To Deal With?
Hello.
I have to say how extremely unhappy I am with the MBNA voice recognition system.All you get now is a pre-programmed voice recognition system. Here's the highlights of the conversation with a machine!
Machine:In order to help you,please tell me why you've rang today?
Me:I want to activate my new credit card.
Machine:I'm sorry,I didn't quite catch that.Could you tell me why you've rang today.
Me:(Slowed my speech down to that of a child).I.Want.To.Ac-tiv-ate.My.New.Cre-dit.Card.
Machine:I'm sorry,but do you want an update of your credit balance?
Me:(Shouting down to that of a simple instruction.)No! I.Want.To.Ac-tiv-ate.My.New.Credit.Card!
Machine:What is the credit card number?
Me:My credit card number is **.
Machine:I'm sorry,I did not recognise that number.Would you repeat it please?
Me:(Talking like a child yet again) My credit card number is **.
Machine:Is your credit card number **?
Me:(Yelling)Yes,it is you useless piece of junk!
Machine:Your current balance is £**.**. The last payment we received from you was £**.** on the **/**/** and the minimum payment of £**.** will be taken from your account on the **/**/**.Do you wish to make a further inquiry?
Me:Yes,I want to speak to a Human Being.
Machine:I'm sorry,I do not understand. Do you wish to speak to a Customer Services representative?
Me:(Losing the plot and shouting ever louder) Yes,I want to speak to a Human Being damn you!!!!!!!!
Machine:(Putting me through to Customer Services):Thank you for your call.All our customer services representatives are busy dealing with other customers.You are being held in a queue and we estimate your call will be connected in (clicking,whirring in background) approximately 15 Minutes.
Me:Hangs up in disgust yet again and dials their emergency UK fixed-line number which has until recently been a 'push 1 for this' thing.
Machine:In order to help you,please can you tell me why you rang today?
Me;Slams phone down in disgust.
Waste of time as we start all over again.
Poor me! I'm taking my business elsewhere! I've had enough of this useless system and have told them so. Is it me? Or is everyone with MBNA in the same boat? Does this useless contraption recognise any language,dialect,or overseas accents?
Give it a try and you'll see what I mean.It'll drive you potty!!!
Their number is a freephone one being 0800-028-1290.
All the best.
Big L 266
Yes, and every card holder should cancel their card and go with someone else. I like USAA.Normal for credit card company to ask for full employer details?
I recently got offered a really good deal on a credit card and want to do a balance transfer. However, when filling in the application it asked for my full employer details including their number. Obviously I know they have to make sure I'm not making my salary up, but I don't know if I'm entirely comfortable with my employer knowing what im applying for....seems a bit of an invasion of privacy. Is this the norm? Will they phone my boss?
Lol - my human resources dept. happens to be the 'office lady' haha
Yes this is perfectly normal and through the millions of applications that they receive they don't have time to check up on everybody to see who is telling the truth because they're only interested in your credit rating. Through all the various loans and credit that I have applied for (and declined) over the years I have always been asked about my current employment details - it is fine though don't worry they will not contact your employers about this.Urgent question about an online credit card payment problem, please help!?
Last week I lost my credit card and ordered a new one. It arrived today with a new 16 digit account number on the front of the card.
I always pay my credit card bill using my Internet banking. My bank is the Halifax. I had to set up a new online payment because of the new account number. In order for the credit card company to know where the payment is coming from you have to enter the 16 digit card number as the Reference for the payment.
I have made a huge mistake, because when I entered the 16 digit reference number for my payment of £150.00 to the card company I accidentally missed out the very last digit. So my payment went to
1234 1234 1234 123 instead of 1234 1234 1234 1234
above is an example of my card number.
Is there any way the bank or the credit card company will be able to trace that £150.00? I have just phones them and they are closed until 8am tomorrow morning. Please tell me what the chances are of the payment being traced and paid into the correct account.
Yes £150,00 has been deducted from my account
They can also look it up by name. If they don't want to bother, the payment will be rejected and your bank account will be credited. Nothing is going to happen that you can change anyway before tomorrow, so call them then.
Note: the first 15 digits are the unique account number. The last is a check digit.Should i pay up front to a company that have promised the will recover my ppi credit card payments?
The gentleman told me on the phone that he was almost certain to be able to recover the payments,he was about to connect me to his manager,but we lost the phone signal.Paying for something like this upfront is a concern to me,it was not cheap either,he mentioned nearly £ 200 .Were they to recover the amount he mentioned which was about £1000.00.I would not mind paying at all,but he can easily turn around in a couple of weeks and say sorry,you,that is me were not entitled to a refund,they have gained,I have lost another £200,and nothing from it at all.I would appreciate very much some feedback on this matter,I genuinely hope it will be positive,or you may know a company that do not charge upfront and only take a percentage once a repayment is assured.Thank you very much.
I personally would never pay up front for a claim like this. Sounds to good to be true. Visit or telephone your local citizens advice office as they will no doubt have genuine details of half decent companies at least. To be honest I can't understand why a company would want any monies up front ? they always take any fees from the money awarded. Stay safe please. Maybe look up the company you talked to on the internet too see if they are listed. Good Luck.Cancelled Credit Card....?
The Credit Card Company have cancelled my credit card and want they're money back, bit by bit. The reason was, I had been paying by direct-debit for a long time and it got cancelled by the bank. I was unaware of that until they phoned to tell me that they were cancelling the card.
But they're still laying on the interest on a cancelled card.
Do you think I might as well just tell them that I'm in financial difficulty and can't pay anymore and that they might as well freeze the interest? I know they'd do that.
They've already screwed up my credit rating by cancelling the card, so should I just try to bargain with them?
If you cannot make the repayments you should talk to the credit card company and they may enter an agreement with you and might reduce or freeze the interest. The longer you leave this the less likely they are to agree to this. You should take advice from an organisation like the Citizens Advice Bureau or the National Debt Line as there may be alternative solutions.
Entering into these types of agreement will compromise your credit rating further.
Disclaimer:
The answers above are for guidance only and should not be acted upon without you receiving independent financial advice relevant to your circumstances. To find and IFA please go to http://www.unbiased.co.uk
One time they would not have rang you up until you was way behind but they are getting keen now.
Looks like they all want there pound of flesh even more.
I am trying to keep up with mine but it's that damn interest just need a little break then will be there I think.
So I guess it is a good idea to ring as soon as possible and say look a few things is up the creek without a paddle and go from there.
Darrell
My card is well and truly over the limit and the interest has gotten really out of control now.
In the finish I have emailed said credit card company and said I don't know what the hell to do apart from get a peace of rope and flaming hang my self would be the simple option then everything would be sorted in one go.
They emailed me back after two days and said they would accept £98 a month for three month then review it. So it looks like make contact and see what they have to say and go from there.
Alexender