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Author Virgin Credit Card are saved by a very good member of their staff who helped me a lot
Ian
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Registered: 28th Aug 99
Location: Liverpool
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10th Jul 07 at 20:31   View Garage View User's Profile U2U Member Reply With Quote
Late payment by four days - £12 charge. Bit of a doh but I can handle it.

Withdrawal of 0% offer which I was expecting until March.

£59 interest this month

£93 the next

etc. etc.

Better make alternative arrangements

[Edited on 17-07-2007 by Ian]

[Edited on 17-07-2007 by Ian]
Marc
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Registered: 11th Aug 02
Location: York
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10th Jul 07 at 20:35   View User's Profile U2U Member Reply With Quote
Withdrawal because of late payment?
Colin
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Registered: 4th Apr 02
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10th Jul 07 at 20:37   View User's Profile U2U Member Reply With Quote
Thats a bit shit
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
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10th Jul 07 at 20:40   View Garage View User's Profile U2U Member Reply With Quote
Yeah they withdrew the offer from me.

I can see the thinking but a grands worth of interest by the time its compounded is a bit harsh for four days IMO.
Colin
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Registered: 4th Apr 02
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10th Jul 07 at 20:44   View User's Profile U2U Member Reply With Quote
Sounds like a bit of a dodgy move to me. Just claim back any charges & switch.....plenty other offers around if they dont want your business!
AndyKent
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Registered: 3rd Sep 05
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10th Jul 07 at 20:45   View User's Profile U2U Member Reply With Quote
Go to Egg, they do 9 months 0% IIRC.

And all online so much easier to work out....
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
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10th Jul 07 at 20:48   View Garage View User's Profile U2U Member Reply With Quote
3% fee though with Egg.

I'm going to put in the o/d for the minute and work harder until its done
AndyKent
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Registered: 3rd Sep 05
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10th Jul 07 at 20:49   View User's Profile U2U Member Reply With Quote
What fee? Balance transfer?

Better than their compound interest is it not.....
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
10th Jul 07 at 20:54   View Garage View User's Profile U2U Member Reply With Quote
Yeah balance transfer.

I got denied for a few so I'm not sure about going for more, was going to get off that bandwagon and just pay stuff off rather than spending it
AndyKent
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Registered: 3rd Sep 05
User status: Offline
10th Jul 07 at 21:02   View User's Profile U2U Member Reply With Quote
Fair dos, credit checks and all that stuff.

All to easy just to get a new card rather than pay up
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
10th Jul 07 at 21:05   View Garage View User's Profile U2U Member Reply With Quote
Yeah that's how I got here
Matt H
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Registered: 11th Sep 01
Location: South Yorkshire
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11th Jul 07 at 20:27   View User's Profile U2U Member Reply With Quote
Morgan & Stanley had a good offer, 0% for about 9 months but with a capped transfer fee of £50

Or someting like that. I got denied though
Stu_22
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Registered: 25th Mar 02
Location: Luton
User status: Offline
11th Jul 07 at 20:33   View User's Profile U2U Member Reply With Quote
I had the same thing but never got a statment so they refund fee and reinstalled 0% offer.

Had a couple of credit cards sending me 0% cheques they must be desperate for business
mav
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Registered: 19th Jun 01
Location: Scotland
User status: Offline
11th Jul 07 at 21:15   View User's Profile U2U Member Reply With Quote
My old barcalycard was the same any late payment even by a day and all 0% on balance transfers get withdrawn etc.
Pablo
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Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
13th Jul 07 at 14:50   View User's Profile U2U Member Reply With Quote
I got a Tesco and a Halifax card, Use MBNA tho, great people!
mav
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Registered: 19th Jun 01
Location: Scotland
User status: Offline
13th Jul 07 at 18:33   View User's Profile U2U Member Reply With Quote
Had my MBNA for about 12 years now....Always been good to me..Paid it off a wee while ago though as 8.5k credit limit was too tempting.
MikeD
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Registered: 18th Aug 02
Location: Whittlesey, Cambridgeshire
User status: Offline
14th Jul 07 at 07:28   View User's Profile U2U Member Reply With Quote
I have MBNA and i was late with a payment, they withdrew the 0% offer, so i called them and apologised for it and they put the offer back on for me and we set up a DD for the minimum amount so it wouldnt happen again.
TNM
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Registered: 5th Apr 04
Location: Nottingham Drives: VW Tiguan
User status: Offline
17th Jul 07 at 16:12   View User's Profile U2U Member Reply With Quote
Not just virgin it looks like all MBNA cards
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
17th Jul 07 at 19:37   View Garage View User's Profile U2U Member Reply With Quote
Call and apologise

Perhaps I went about it wrong
Marc
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Registered: 11th Aug 02
Location: York
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17th Jul 07 at 19:40   View User's Profile U2U Member Reply With Quote
Have they reinstated your 0%?
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
17th Jul 07 at 19:53   View Garage View User's Profile U2U Member Reply With Quote
Not sure, a member off here who I'm not going to name in case has sorted it I think.

Need to get see what is on my next statement
ed
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Registered: 10th Sep 03
User status: Offline
17th Jul 07 at 20:16   View User's Profile U2U Member Reply With Quote
Are the offering 0% on purchases for a few months? I'm tempted to get one to buy a TV in my flat as I don't want to pay for the whole thing at once really...
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
17th Jul 07 at 20:26   View Garage View User's Profile U2U Member Reply With Quote
Balance transfer to your bank account so you could just buy it with real money and then move the credit over. 3% fee though.

Check what offer you get as well, not sure if everyone gets that.
Dee
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Registered: 19th Sep 01
User status: Offline
18th Jul 07 at 17:01   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Matt H
Morgan & Stanley had a good offer, 0% for about 9 months but with a capped transfer fee of £50

Or someting like that. I got denied though


You need to be earning mega bucks to get a Morgan & Stanley credit card.

 
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