QUOTE(hye @ Mar 15 2011, 11:58 PM)
Goodness ... you don't have to open up a separate thread just ask for answers.
1st thing of all, the payment method are out outlined in your T&C pack (when you collect your card) + they are also mentioned in your statement. (Look at the back of your statement and sometime printed as well at the front) So, the excuse of not knowing you have to pay separately would not arise. Payment methods are different when it comes to Principal and Supplementary cards and again this varies from bank to bank.
Just call CS to help you. If can then they will help. So long you did pay the RM4K within the due date, there's hope. (If you paid late then your chances/bargaining power decreases) Please bear in mind that this does not alter the information for your credit history if the correction is made. And remember to ask nicely, don't force or barge your way for them to help you. You made a mistake in the first place. Apologize and ask nicely but don't force them. CS does not have the power nor juristristion to make the amendments. They just capture the info and pass it on to the other department. You can't ask to speak directly to that department - it doesn't work that way.
If not, just take it as an expensive lesson. Next time, take your time to read the T&C - don't get excited owning a credit card and when a mistake happens, you say you are ignorant whereas all the info have been given to you at the point of receiving the card. I do not want to sound so optimistic because banks will always treat cases like these on a case to case basis. What works for others may not work for you.
Thanks for your info, I am not worried about the late payment charge but the credit history. I really didnt know that , or maybe didnt read much of the T&C.
Going to the bank and ask will be better or just call CS?
My moms credit history is very good, can i take this point to ask for a second chance? if all this fails, what is the worst thing will happen to ?
-Just check my statement. I even pay extra 378.90 last month. So i guess i have high chances to appeal?
This post has been edited by saw2001: Mar 16 2011, 12:30 AM