intstudent vs Natwest

[intstudent]

Think I'll share this experience (which happened before I joined this forum)

 

Case 1

I am an international student. As I dont usually use my bank account too much, I tend to keep lots of my money in my savings account, as opposed to my current account.

 

There is a standing order which I set up which leaves on Sunday. I didnt know that I must have the funds in my current account by Friday 4.30pm. There was once I need to pay for some stuff, so I paid with my debit card (which caused my balance to be lower than the S/O). I know about that, so as soon I reached home, I logged on to Internet Banking and transferred the amount. Everything looks fine on my account, but on Monday, I got rude shock - I was charged £38.

 

Went to my university branch and talked to the manager. Surprisingly I just asked him to look at my account, and said why is there a £38? Without any more words from me, he said, "ahh I see. But remember I can only do it once". And that amount was refunded.

 

 

Case 2

It involves returning my £12 overlimit fee for my credit card. Basically I tend to have a mental note as to how much is there in my credit card (as I am the type who likes to spend everything with my credit card and pay back in one go by the end of the month). But there was once there were a few transaction that did not get charged into my account for ages. So I forgot about them and used my card. But suddenly on one day, when my balance is running low, all of them get charged in one go, which makes me go over the limit. (Actually that time I had already paid in, but the charge gets into my account before my paying in)

 

Called Card Centre. Was told a NO. So I wrote to Customer Relations. Explaining the situation and trying to gain some empathy as I am a student. And I got refunded fully 1 week later.

 

 

 

Just a quick question - will these charges, despite refunded, still 'tan' my credit reports and so on?

[ataction]

Quick answer. NO.