Blod's Aqua Credit Card

[Blodwin]

I have gone about £80 over limit on my Aqua card (Tesco's fuel pump - it's a godsend £99 MAX overdraft).

I have paid my minimum payment for the month as I did that before I blew £70 on the Pay @ Pump on the forecourt.

Aqua have sent a missive asking for £70 or else, blah blah.

My question is: can they trash my credit file for going overlimit? I have met my minimum payment and I'm not in default status or anything yet. they are asking for the £70.

Is there any damage they can do via the CRAs for this?

[Blodwin]

Re: Blod's Aqua Credit Card

well I can see this set the forum on fire lol

I will have a stab at answering my own question which is, I believe, that Aqua can't add any adverse data on my credit files for going overlimit. By that I mean no nasty yellow or red markers or anything like that, which they can if I'm LATE or default etc. I guess they just state my credit limit and what the balance is and creditors can draw their own conclusions.

[Never-In-Doubt]

Re: Blod's Aqua Credit Card

Oooh sorry missed it mate.

No they cannot add a late marker so long as you went under limit again by the cut off date; so in your case you'd need to pay the £70 you spent BEFORE the next statement date or yes, they can mark your credit file as (for example) - limit £1000 / Balance - £1070 / Late payment marker [1]

Just pay the £70

[Blodwin]

Re: Blod's Aqua Credit Card

cheers mate, appreciated.

I'm going to start a thread on Vanquis now