Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

pay off US credit card made tricky

pay off US credit card made tricky

Old Sep 4th 2012, 2:12 pm
  #1  
Just Joined
Thread Starter
 
Joined: Sep 2012
Posts: 2
fleet is an unknown quantity at this point
Default pay off US credit card made tricky

RBS = Royal Bank of Scotland
WF = Wells Fargo
credit card = WF credit card (US credit card)

Hi,
(1) I have always had an RBS account
(2) Went to the U.S for two years, opened a WF checking account and obtained a WF credit card.
(3) Just before returning to the U.K, I paid off all the outstanding balance on the credit card, withdrew the remaining savings from WF checking account, and closed the WF checking account. The credit card account remained open, and the card had not expired.
(4) At airport, it dawned on me that I had still to pay for the check-in baggage, for which I paid using the credit card.
(5) Now, there is outstanding balance again. I'm in the U.K and I do not know how to pay it off this time.

(6) Emailed WF, got the following reply:
"""
Payment can be sent to Wells Fargo Card Services ; P.O. Box 30086; Los
Angeles, Ca. 90030-0081. Or Bank wire to : Att. Wells Fargo Card
Services; Wells Fargo Bank N.A. ; 7th and Walnut ; Des Moines, Ia
50306
Wells Fargo is dedicated to protecting your information. To learn about
our security measures and what we do to protect your accounts online, go
to wellsfargo.com/privacy_security/fraud/
"""
which is a bit vague and unhelpful. Do they actually accept my RBS cheque? Suppose they do, I have to write the sum in GBP, whereas the sum is in USD on the payslip, so how does that work?

(7) As for the bank wire, I went into an RBS branch to ask, and was told that I will need an IBAN number etc. from WF. So, I wrote to WF again, did not receive a reply. I called the credit card hotline, waited for over 1 hour, the assistant said: "Sorry sir, I'm getting really bad line, can you just call right back? thank you." I called again, and am still waiting after 1 hour.

BASICALLY
I do not know how to pay off the credit card, and the banks are not exactly helping in informing me how to do that. What's worse is that at the beginning of next month, I will receive another 'late-fee' plus interests charge, which is quite a lot, from the credit card company.


Any suggestions?

Last edited by fleet; Sep 4th 2012 at 2:16 pm.
fleet is offline  
Old Sep 4th 2012, 2:32 pm
  #2  
Heading for Poppyland
 
robin1234's Avatar
 
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 11,071
robin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond repute
Default Re: pay off US credit card made tricky

If it was me, I would do it the low-tech way. Simply go into a bank in the UK and purchase a US Dollar bank draught made out to Wells Fargo Card Services for the exact amount you owe and mail it airmail to the specified address. later, check online that you have a zero balance with them. Then, cancel the account by writing them a letter.
robin1234 is offline  
Old Sep 4th 2012, 4:15 pm
  #3  
Just Joined
Thread Starter
 
Joined: Sep 2012
Posts: 2
fleet is an unknown quantity at this point
Default Re: pay off US credit card made tricky

Originally Posted by robin1234 View Post
If it was me, I would do it the low-tech way. Simply go into a bank in the UK and purchase a US Dollar bank draught made out to Wells Fargo Card Services for the exact amount you owe and mail it airmail to the specified address. later, check online that you have a zero balance with them. Then, cancel the account by writing them a letter.
I presume bank draught = bank draft as defined here: http://en.wikipedia.org/wiki/Cashier's_check
Will go into the bank to ask tomorrow. Thanks
fleet is offline  
Old Sep 4th 2012, 4:36 pm
  #4  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: pay off US credit card made tricky

Originally Posted by fleet View Post
I presume bank draught = bank draft as defined here: http://en.wikipedia.org/wiki/Cashier's_check
Will go into the bank to ask tomorrow. Thanks
Barclays UK branches certainly used to be able to write you a check (cheque) in US dollars drawn on their NYC-based account for a small fee. Don't know if they still do it.
fatbrit is offline  
Old Sep 4th 2012, 5:11 pm
  #5  
Heading for Poppyland
 
robin1234's Avatar
 
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 11,071
robin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond repute
Default Re: pay off US credit card made tricky

Originally Posted by fatbrit View Post
Barclays UK branches certainly used to be able to write you a check (cheque) in US dollars drawn on their NYC-based account for a small fee. Don't know if they still do it.
Yes, it looks like they still do it..
If you wish to send funds yourself, you can use our paper-based international payment product, International Drafts. Once you've got this item from your branch, you send the payment by post to the beneficiary. International Drafts take longer than electronic payments but you don't need to know the beneficiary's account details.
This is why I like the paper-based method; you don't need to know the payee's account details.
http://ask.barclays.co.uk/help/trave...onal/payabroadhttp://ask.barclays.co.uk/help/trave...onal/payabroad
(For some reason I thought it was spelt "draught" in the UK, but no, they spell it "draft".
robin1234 is offline  
Old Sep 4th 2012, 5:12 pm
  #6  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: pay off US credit card made tricky

Originally Posted by robin1234 View Post
(For some reason I thought it was spelt "draught" in the UK, but no, they spell it "draft".
Time to call your sponsor and tell them you're off the wagon again!
fatbrit is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.