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sarahbell

changes to credit card terms and conditions

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Refusal of certain transactions. --  they reserve the right to refuse to let you buy crypto currencies on your card
They describe the crypto currency bit as "we can refuse particular categories of credit card transactions, if we determine that they place our customers at high risk of financial loss


Just one of a few changes in the huge booklet of changes.

Another:
Unauthorised transaction charges.. -- if you let somebody have your card with your permission, you're liable for what they spend.

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They're beginning to hunt me down.  I have for ?thirty years paid a big lump sum onto my credit card which funds the whole year's spending.

I am aware that this invalidates the usual credit card protection as it is then no longer a loan.  That however doesn't matter to me as I have a credit card for one reason only - hotels and fuel abroad - in this country all I ever do with it buy fuel in order to keep it live for when I go abroad.

This time it explictly said in the terms that you cannot overpay your credit card and as well as the usual line on the statement (you have a credit balance on your acount; please contact us to have it repaid) they even texted me this month.  Which I ignored.

I don't want to go direct debit but it's looking possible that they'll just bounce my check back to me next time so I may have to.

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1 minute ago, Frank Hovis said:

They're beginning to hunt me down.  I have for ?thirty years paid a big lump sum onto my credit card which funds the whole year's spending.

I am aware that this invalidates the usual credit card protection as it is then no longer a loan.  That however doesn't matter to me as I have a credit card for one reason only - hotels and fuel abroad - in this country all I ever do with it buy fuel in order to keep it live for when I go abroad.

This time it explictly said in the terms that you cannot overpay your credit card and as well as the usual line on the statement (you have a credit balance on your acount; please contact us to have it repaid) they even texted me this month.  Which I ignored.

I don't want to go direct debit but it's looking possible that they'll just bounce my check back to me next time so I may have to.

I just log into my account and clear the balance each month. I use it for purchases where the card may be compromised, online and in restaurants. Rather have their money nicked than my own 

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1 minute ago, One percent said:

I just log into my account and clear the balance each month. I use it for purchases where the card may be compromised, online and in restaurants. Rather have their money nicked than my own 

I have no online banking and I think I've made three online purchases in ten years where yes I did use the credit card (specific alkaline batteries not available in the shops, some specialist computer leads not available in the shops, and some cheap army surplus kit) as generally I want to see what I'm buying. Restaurants are paid in cash as are any petrol stations I have to use which are not my main two.

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19 minutes ago, Frank Hovis said:

I have no online banking and I think I've made three online purchases in ten years where yes I did use the credit card (specific alkaline batteries not available in the shops, some specialist computer leads not available in the shops, and some cheap army surplus kit) as generally I want to see what I'm buying. Restaurants are paid in cash as are any petrol stations I have to use which are not my main two.

o.O  get with it Frank. xD  only kidding but stuff is way cheaper on the net. 

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4 minutes ago, One percent said:

o.O  get with it Frank. xD  only kidding but stuff is way cheaper on the net. 

:D

I'm not trying to take the thread that way but I genuinely don't want anything; I think I have too much already and want less.

Pretty much everything I buy these days is replacing something existing and most things tend not to need replacing.

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2 hours ago, Frank Hovis said:

They're beginning to hunt me down.  I have for ?thirty years paid a big lump sum onto my credit card which funds the whole year's spending.

I am aware that this invalidates the usual credit card protection as it is then no longer a loan.  That however doesn't matter to me as I have a credit card for one reason only - hotels and fuel abroad - in this country all I ever do with it buy fuel in order to keep it live for when I go abroad.

This time it explictly said in the terms that you cannot overpay your credit card and as well as the usual line on the statement (you have a credit balance on your acount; please contact us to have it repaid) they even texted me this month.  Which I ignored.

I don't want to go direct debit but it's looking possible that they'll just bounce my check back to me next time so I may have to.

I've got 10p on a capital one card.
I don't know when they're going to pay it me back. 
 

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I had an interesting one from the bank last month.

Translated into English it said something like:

Quote

Dear TrollBot

Remember that savings account you set up with us before the crash? Yes, that one, the one which used to pay a decent rate of interest until Gordon gave us an excuse to slash its rate to next to nothing. We would like to remind you that the reason why interest rates are so low is so that you will go out and spend that dosh instead of keeping it for a rainy day.

We've noticed that you've not done any spending from this account for ages, and we're sick of it. If you don't liberate some of that cash by November we will be forced to take drastic action and spend some of it ourselves - even though we know you're not dead, and that you regularly use your other accounts with us.

Boomshanka

Parasite and Grubb - Bankers 

 

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