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

[nitoda]

When this has happened to us they have simply charged the interest on the following month's bill. Annoying, but when I queried it, they couldn't help. It might be worth trying, at least, though I'd not *expect* sympathy. Hope you are luckier than I was!!! As M says, we've now set up a direct debit to clear the balance each month (but then we are disciplined (and fortunate) types who rarely spend, even on credit, what we haven't actually got in the bank; this method is not recommended for people who are less sure of having the funds to clear the balance as going over your overdraft by direct debit is likely to be just as big a problem!)