17 Jan 2016

A question about : can i claim back interest added and charges added after

Hi all
can any one tell me if i can claim back charges and interest that is added after my cc company takes me over the limit ?

I mean for example.... i was up to my limit but the credit card company added its interest that then takes me over my limit and causes charges to be added to my account which again accrues interest on my account.

Personaly i think that its scandalous practice that they can take me over the limit by adding the interest in this way.

i am looking to persue them for my charges but want to hit them for everything i can So any advice would be appreciated.

title=Smile

Best answers:

  • No. You need to maintain your account so that you stay below the limit, including any interest and fees.
  • No because you can easily avoid it by paying back the bill in full or significantly more than the minimum - and if you can't do that, don't spend on the card until it is reduced. The charges are there because you spent up the maximum and didn't clear the balance
  • As the others have said.
    You obviously haven't been paying the minimum payments either have you?
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