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Prob with Credit card...

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cu3ed
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2009/07/26 18:46:33 (permalink)
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Prob with Credit card...

First off...I never owned one till about 8 months ago...but decided to make on purchase on it awhile back to see if the thing worked...no big deal.....unfortunatly it is turning into a living nightmare.

I missed the first minimum payment....which occured a 12 pound fee.....tho I had hit on the site to make the minimum payment...tho it never happinned, now...apparently...I have missed a second payment...which..no doubt Ill get another fee, and blamed for this..even tho I asked to set up a direct debit for the payment...they took awhile to send it out then forgot to send a return envelope within...

but was wondering how much this will hit my credit rating, as Ive never missed a payment for anything in my life!
#1

9 Replies Related Threads

    Blue_Lagoon3000
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    Re:Prob with Credit card... 2009/07/26 18:53:09 (permalink)
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    A couple of missed payments is no big deal at all mate i was in so much trouble once that al my bank accounts got closed and i wasnt even allowed one, things have changed now if you just keep on track in the future you wont even know the difference.

    Even if you credit rating was seriously fu?ked it only takes 6 months to repair it so you should be A ok.
    #2
    cu3ed
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    Re:Prob with Credit card... 2009/07/26 18:55:38 (permalink)
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    I think im more just pissed off with the whole banks handling of this, no statements, now over due emails, nothing, I didnt know I was in arrerars until I tried to use the card and it wouldnt work......fcuk I hate banks!
    #3
    john_cappa
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    Re:Prob with Credit card... 2009/07/26 19:11:14 (permalink)
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    have you internet banking? so you can pay it yourself with out DD etc? much better
    #4
    BigPete
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    Re:Prob with Credit card... 2009/07/26 19:12:19 (permalink)
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    They don't make it easy, best thing to do is set up an automatic direct debit to clear the balance every month.  If you can afford to.

    Otherwise they rely on people missing payments, making minimum payments and the like, it's where the money is.
    #5
    cu3ed
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    Re:Prob with Credit card... 2009/07/26 19:13:18 (permalink)
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    Thats what I was doing.....or what seemed like I was doing...its an internet bank...but it seem to have fcuked me over the past 2 times
    #6
    cu3ed
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    Re:Prob with Credit card... 2009/07/26 19:16:20 (permalink)
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    Im not too worried if their is no real damage done to my credit rating or anything TBH, but still not pleased with this at all.
    #7
    Blue_Lagoon3000
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    Re:Prob with Credit card... 2009/07/26 19:33:37 (permalink)
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    Mate you think thats bad in the past i have had serious issues with banks they can be total idiots and i mean really unreasonable. Once you start putting abit of money in they act differently.
    #8
    paulthebuilder
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    Re:Prob with Credit card... 2009/07/26 20:01:00 (permalink)
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    Credit cards were created by Lucifer masquerading as a respectable banker.
    #9
    Dan Nukem
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    Re:Prob with Credit card... 2009/07/26 23:16:40 (permalink)
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    john_cappa

    have you internet banking? so you can pay it yourself with out DD etc? much better


    Same here, internet banking is the way to do it.
    I always clear my card in full when I get paid.


    #10
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