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I was wondering wether anybody has been sucesfull in reinstating suspended credit card accounts.
I was able to reinstate my suspended Capital One classic card back in feb 2008 and they reinstated my £1100 credit limit and then upped my limit to £1700 on my 4th statment. I did this by making a payment of £250 upfront to help clear some of my outstanding balance of around £800.
I am looking to try and get my barclaycard reinstated as this was a 6.9% apr fixed for life card.
Does anyone have any advice on how to go about this and are there any template letters available to send to them to consider my request.
I have paid back over £1400 over the last year and there is only £250 outstanding. I have a payment arrangement of £6.00 a month at the moment.
If you have sent BC a CCA request, I doubt they'll re-instate the card. They'll be worried you may try and ditch the debt at some stage.
If you're on a reduced or special payment arrangement, this may also preclude re-activation of the a/c.
If the above scenarios do NOT apply, I suggest you simply write to BC pointing out that you've keep to the terms of your agreement recently and would they kindly re-instate the 6.9% "for life" interest rate.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
HELP reinstate my barclaycard simplicity
classic card back in feb 2008 and they reinstated my £1100 credit limit and then upped my limit to £1700 on my 4th statment. I did this by making a payment of £250 upfront to help clear some of my outstanding balance of around £800.
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