BadCreditGuy: I did not come back as actually I was quite offended by first reply, and I doubt I will be back for advice in the future.

Not to ridicule you even further, but you made the first reply...;)

Thanks for the info, they have not charged me for it. The payment went through and even though I was over my 1.50 odd at one point, they have not issued a charge.

I did not come back as actually I was quite offended by first reply, and I doubt I will be back for advice in the future.

Jalexa:

coney:

sorry about my last post.

No worries, but next time can I have the reply points. It's not as if CMK needs them.

Haha...(away a week and a fight errupts!)

Good research though on the T&C...

coney:

sorry about my last post.

No worries, but next time can I have the reply points. It's not as if CMK needs them.

Jalexa sorry about my last post. I was the rude one.... Can only put it down to having a bad day yesterday. Conmankiler thank you for your kind words..

conmankiller:

BadCreditGuy - It is highly probable that Cap 1 will charge you for going over the limit even for One day, irrespective of what has caused the problem, their transactions are computerised there is no Human factor......however, should they levy this charge, get straight onto them and protest that it was a first offence (if that is the case) explain it will not occur ever again and politely ask them to refund any charge.(no promises, but worth a try)

I couldn't find Capital One T&Cs online, but FWIW I looked at my MBNA T&Cs. There is an interesting clause which permits MBNA to decline a transaction which would cause yet to be applied charges, including interest, to exceed the credit limit. In the case that MBNA chose not to invoke that clause I would not expect MBNA to penalise a transaction within the credit limit, other than remedying the situation through the next minimum payment. I haven't gone further and looked for a clause which deals with the OPs predicament.

Anyway, as I've studiously maintained, only the Capital One T&Cs are relevant to the OP.

BadCreditGuy - It is highly probable that Cap 1 will charge you for going over the limit even for One day, irrespective of what has caused the problem, their transactions are computerised there is no Human factor......however, should they levy this charge, get straight onto them and protest that it was a first offence (if that is the case) explain it will not occur ever again and politely ask them to refund any charge.(no promises, but worth a try)

Jalexa and coney....You're both well respected and valuable contributors, individuality is what makes a forum interesting and vibrant, don't fall out.!

coney:I wonder how many people think Jalexa is the rudest person on this forum?

Well here's one who doesn't.....

Anyway you're the first in nearly 23 hours... and still no contribution from the OP.

As I said, the forum cuts both ways.

I wonder how many people think Jalexa is the rudest person on this forum? Well over 62 I would say.....

BadCreditGuy:

32 views and no one knows?

Well the forum cuts both ways. 3 1/2 hours and you still haven't phoned Capital One and/or read read your terms and conditions and reported back. There are 62 and counting interested people here who don't know the answer because they don't have your terms and conditions.

Anyway it was a test question wasn't it?

32 views and no one knows? :()

Hello all. New to forums but had advice of here before. I am due a e-statement tomorrow and I had a look at my credit card bill before online and I only have £23 left to spend as I have been away and went a little silly with it. However I am worried that my credit card interest charge will take me over my limit and hit me with a overlimit charge? Will this happen? Or do you get so many days to pay the interest charge? I have made a payment online now but it takes 3 days to get there. :(