I feel this is so harsh of Sainsburys Bank!
I got the Sainsbury's Bank credit card in July last year. Have a very strong credit history. We we're having our new extension done and put the new kitchen appliances on there and well as other things as it was 0% for 2 years. Credit limit 11,000.
Anyway at the start of December I put an amazon order on there and went over by £4.98. It was a delivery charge that I wasn't anticipating and just didn't realise.
That was the 6th December. Didn't realise until the 17th. I saw a £12 over limit charge and that the balance was £11,016.98 (£12 of that being the charge!!) and immediately send £20 over to clear it.
I have made every payment, none have been late, and always pay over the minimum. They have removed the 0% interest (no email about this) and have just charge £188 interest for this month.
What can I do? Was planning on keeping this card for a while and paying back towards the end of the year but now panicking massively!!