Just a quick query for anyone with experience. Today I have went 15 pounds over a 500 pound limit on my credit card and been charged a 12 pound overlimit fee. This happened to me last year too.
I hope to go to the bank tomorrow and try to get this back as a good will gesture. I will give 4 reasons.
1/ Hardship- I'm not going to plead poverty but I can make a good case that money is tight.
2/ Bank decided to process 3 transactions online transactions at once even though I bought the items on different days. This ensured I was over the limit with no chance to avoid it.
3/ I was 15 quid over the limit
4/ I immediately paid off teh amount in full 515 pounds leaving nothing on the card.
Would this make a reasonable case for a goodwill gesture? Anyone with experience or advice would be appreciated. If asking for it as a goodwill gesture meets a dead end should i consider adopting a more forthright approach- e.g. loyal customer, in hardship. I'm not talking about making a scene but just throwing a little more pressure on the person making the decision...