not really asking for advice, but

[baratron]

Argh. I forgot to pay my credit card bill this month. Kinda unsurprising that I've had other things on my mind, but... The due date is Tuesday, 6th. I just set up a payment from my online banking, from the same bank where the credit card is, but even then it's not guaranteed to go through before Wednesday. Is it worth me ringing the bank to tell them about my health woes? It's the Co-Op, so they are not evil, and I usually pay my bill way before the due date (usually as soon as I receive it).

I can't believe I'm posting this to livejournal, but... I just don't want to have to pay a £20 "fine" over a £20 payment. And yes, I can afford £20 - it's just the principle of the thing. Punish me for deliberate non-payment or for being flaky, either I could accept, but I don't like being punished for being ill enough that I haven't thought about finances in weeks. I probably have to go to the doctor again tomorrow, because of some random oddities that might be indicative of something up with my liver. Gah.

Comments

[alexmc.livejournal.com]

> And set up a direct debit for the minimum payment, if necessary.

That is what I was going to suggest. The same thing has happened to me.


It might be worth ringing them to point out that although the payment hasnt cleared - it is going through the system.

[http://users.livejournal.com/_nicolai_/]

Yeah. Also saying "oops, I forgot to pay you because I've been ill, sorry about that - could I please set up a direct debit for the minimum amount so that it doesn't happen again?" ought to work out OK.
If it doesn't, I think they're demonstrating you shouldn't give them your business.