barclaycard us Barclays Bank Damaged Credit History without a cause Nationwide

The due date is the same date each month. How can the interest add up to $15 and exceed the credit limit without your knowledge? You would have had to have your balance at the credit limit in order for that to happen. Your credit history was not damaged by the card issuer. It was damaged by you going too close to the credit limit. But it is easy to fix.

There is a solution to fix this:

1) pay down your balance so it is no where near your credit limit and

2) once you learn how to handle your credit, you can ask Barclays for a credit limit increase. They will look at your history with them (internal history) and look at your credit report to see if you are responsible enough for an increase at the time of request.

As to reporting to the credit bureau: your statement balance is what is reported. If you went over your limit at that time with the interest charges then it is on you and not Barclays. The guidelines are stated in the terms and conditions when you get the card.

Take some time to learn about credit and reporting and you will see that spending close to your credit limit is not something you want to do. It represents a risk to the card issuer.