Cap 1 credit card charges

[Jaxo_uk]

Hi all, I have been a member for a while but am thinking about SAR-ing CAP1 about my credit card charges. I have had the card for a few years and have been hit with a few charges during this time.

I am not to sure if these charges are allowed or not as they are only for small amounts (£12 each time)

During the 3 years I have had this card I have had a few over limit and late payment charges. probably around 20. The late payments have usually been 1 or 2 days late and I have been charged £12 each time. I have also been charged a load of times for being over limit (very easy to do on a £100 limit credit card). And some months I have had both charges on a statement (£12 for late payment, £12 for over limit and then the interest)

Also one thing that sticks in my mind a lot is their cash advance fee,.... During cheltemham I did a few bets for fun (Im not a big gambler, but would put the odd £1 or 2 on a big event like cheltenham or the grand national) I placed about 10-12 bets for a couple of £ each time during the 4 day festival and when my credit card bill came in they had charged me a cash advance fee of £3 for EVERY single bet. I did the bets on betfred.com and you can use your card as you bet, i.e you dont need to load £10 into your online funds etc, if you want to bet £0.50 on something you can and it just gets charged to your registered card. This infurated me as I had only spent about £20 all week and then I got charged a further £24 in cash advance fee`s.

 

So to sum it up is it worth Sar-ing them? my charges are small compaired to most people on here but they are (in my eyes) unreasonable, what do you`s think??

 

Thanks in advance!!

Edited June 9, 2010 by Jaxo_uk

[Jaxo_uk]

bump

[dx100uk]

is this a business account?

 

dx

[Jaxo_uk]

Sorry, I did not realize that this was a business forum. could you move it to the correct one ?

[dx100uk]

hit the warning triangle and ask the site team

 

dx

[maroondevo52]

Hi, Jaxo_uk.

 

I'm going to move this thread to the Cap 1 Forum.

 

Regards.

 

Scott.

[maroondevo52]

Hi,

 

I'm not too sure about the cash advance fee's, but you can claim back all the £12 charges.

 

Regards.

 

Scott.

[Fletch2006]

Hi, you can certainly claim back the late payment/overlimit charges.

 

Ref - Cash advance fees - these are an absolute disgrace. I too place the odd online bet. About a month ago I decided to use my cap one card on the Coral website to deposit £20. When my statement came I also got charged £3 for the pleasure. I found in the small print on Coral website that some credit card companies treat gambling websites the same as cash machines i.e. charge for each transaction!

 

Luckily for me I only did it once but feel for you gettin stung like that. I wud write a separate letter to them on this & complain if I was you.

[jay2014]

Did you have any joy with these charges

 

as i have found they charged me too, i fell for this mistake without knowing about the charges

 

stung me big time when i had a bit of a problem

 

and i thought i was buying bingo tickets lol like online sales

 

how wrong was i

 

[dx100uk]

Did you have any joy with these charges

 

as i have found they charged me too, i fell for this mistake without knowing about the charges

 

stung me big time when i had a bit of a problem

 

and i thought i was buying bingo tickets lol like online sales

 

how wrong was i

 

 

 

thread is very old

 

 

dx

[jay2014]

Saying i should start a new one about these charges and where ?

[dx100uk]

this forum will do cap1

 

 

start a new thread