Late last summer we booked ourselves a beautiful, no expense spared two week honeymoon to St Lucia. All inclusive, stunning hotel with about 5 pools and a private beach. Very nice. Obviously, it took a huge chunk of our budget that we weren’t sure we could cover using savings alone. Planning ahead, we both applied for credit cards on the basis that it’d cover the cost of the holiday as well as spending money (what little we’d need) and we’d worry about paying it back on our return.
As expected, we haven’t managed to quite save enough to pay off the holiday just yet and it’s better to pay for holidays on credit card anyway (volcano dust clouds etc). ‘It’s ok,’ I thought, ‘I have my credit card to fall back on’ - WRONG.
Apparently when I made my first payment, I made it late. I beg to differ Barclaycard. I made it before it was due but YOUR WEBSITE does not make it clear that when paying online the payment takes 2 days to clear. Therefore the payment cleared the following day - mere hours after it was due. I was charged, lesson learnt, and I’ve since always paid a week early and as much as I’ve been able to afford. No minimum payment for this chickie.
I just happened to check my account last night after cheekily using the card to buy some Black Milk leggings (if you’ve never heard of them - look them up. Now!) only to notice that my available credit was £49.00. I nearly fainted. Had my card been cloned? I doubted it as I have only used it three times. Had I been sleep ebaying? Possible. But no.
Because I ‘missed a payment’, Barclaycard have cut my credit limit by TWO THIRDS to £450.00 as punishment. The kind Indian man on the phone agreed whole heartedly with me that I didn’t deserve such harsh judgement, and that it was pretty unfair that I wasn’t even notified of the change, but told me that he sadly couldn’t help. The ‘decisions’ are made electronically and cannot be overridden by a human who can see, clear as day, that I’m in no way at fault.
I can’t try for a higher limit until 6 months have passed with me being a good girl. I’m horrified. We fly in 5, we have to pay in 3. Bad, bad times.
Of course, my plan is to pay off that card asap, cut it up and have them lose a customer. I also plan to apply for a new card, but there’s no guarantee that I’ll get one as this whole fiasco is classed as a missed payment and goes against my credit rating. Or I could apply for a credit building card, aimed at folk on the edge of the debt abyss, with an interest rate of around 40% - not exactly what you want hanging over your newly wed head.
Sorry if this whole post has come across as a bit off a babble. I’m in rant mode…






