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Report: #1203867

Complaint Review: barclaycard us - Nationwide

  • Submitted:
  • Updated:
  • Reported By: MarinaM — Los Angeles California
  • Author Not Confirmed What's this?
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  • barclaycard us Nationwide USA

barclaycard us Barclays Bank Damaged Credit History without a cause Nationwide

*Consumer Comment: Isn't that your responsibility?

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The worst customer service ever. Let the charges go $15 USD over the limit by adding the $15 interest on the day card was paid and reported to credit burrows on the same day interest was charged.

Now my credit history damaged over $16 charge by the card itself.

This report was posted on Ripoff Report on 01/23/2015 03:01 PM and is a permanent record located here: https://www.ripoffreport.com/reports/barclaycard-us/nationwide/barclaycard-us-barclays-bank-damaged-credit-history-without-a-cause-nationwide-1203867. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Isn't that your responsibility?

AUTHOR: FloridaNative - ()

POSTED: Friday, January 23, 2015

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.

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