oebgurl
United States of America#2Author of original report
Mon, December 17, 2012
So after receiving a second statement for 200$ and sending them a message that they are crazy for thinking this is ok - they have now canceled my account without any notice - Um I PAID my bill - so without warning they canceled me - what a crappy business and I originally opened this card to buy a MAC - I will not buy apple products anymore - especially since they endorse such shady companies as these!
MovingForward
Palm Beach Gardens,#3Consumer Comment
Sat, December 15, 2012
Barclays has a website that you can access daily for free. You can check your balance and your transactions each and every day. But, regarding your issue about the minimum payment, you must have quite a large balance for your minimum to have increased to $200/month.
It is time for you to get some financial education and to take responsibility for your actions. Once you have a credit line opened up with the creditor (Barclay's or whomever) it is up to you to keep track of your transactions, your balances, your payments and your due dates. If you can't do that, then pay off the card and close the account because you are not showing any financial responsibility. You are liable for the entire balance due, not just the minimum payment. From your post, you haven't even addressed your balance, only the minimum payments. You refer to your payment as "your usual payment", if you continue the way you are going you will never be able to pay off the card.
I don't work for Barclays or any credit card company, but I am aware of the terms and conditions of each of my credit lines. Each of us, as adults, take on that responsibility when we agree to use the card.
You are in a spot now. Seems like a good time for you to either increase your hours at your current job or pick up another job. Yes, I read that you are due to have a baby, but it does not excuse you from your financial responsibilities. In fact, based on the fact you are due to be a mother (again) it is critical you review your financials right now to get your life back on track. Learn the tips to pay down your balance quickly and don't run it up again to beyond your capacity to pay.