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Paying off/closing AvantCard

  • 11-11-2013 08:25PM
    #1
    Ciarrai76
    Registered Users, Registered Users 2 Posts: 9,662 ✭✭✭


    I have paid off my Avant Card today (thankfully) and once I see that the funds have cleared on the card account I am going to cancel it.
    Has anyone done this recently? did you find it smooth sailing or did you have any problems/delays in closing the account?

    I am cancelling direct debit, just in case they try taking a payment at end of the month. I have also put in the €30 towards the goverment levy, which I know they will charge on closing the account.

    I am going to be so glad to cut up that Avant card, good riddence to them! Plus I'm now credit card free, and intend on staying that way now :)


Comments

  • #2
    wush06
    Registered Users, Registered Users 2 Posts: 688 ✭✭✭wush06


    Ciarrai76 wrote: »
    I have paid off my Avant Card today (thankfully) and once I see that the funds have cleared on the card account I am going to cancel it.
    Has anyone done this recently? did you find it smooth sailing or did you have any problems/delays in closing the account?

    I am cancelling direct debit, just in case they try taking a payment at end of the month. I have also put in the €30 towards the goverment levy, which I know they will charge on closing the account.

    I am going to be so glad to cut up that Avant card, good riddence to them! Plus I'm now credit card free, and intend on staying that way now :)

    I'm in the process of doing the exact same thing. I think the rate with MBNA was around 10-11% this shower put it straight up to 18-19 APR. I also hear that there customer services is no better.


  • #3
    Ciarrai76
    Registered Users, Registered Users 2 Posts: 9,662 ✭✭✭Ciarrai76


    wush06 wrote: »
    I'm in the process of doing the exact same thing. I think the rate with MBNA was around 10-11% this shower put it straight up to 18-19 APR. I also hear that there customer services is no better.

    I topped up an existing loan to pay off the card. I can't see the point having it anymore and only paying off a bit every month, I'm getting nowhere! I am saving the min payment a month, plus €25 a week on my existing loan repayment, so its worked out a lot better than trying to get a balance transfer on another card! Can't wait to cancel this card, sick of them at this stage!


  • #4
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    wush06 wrote: »
    I'm in the process of doing the exact same thing. I think the rate with MBNA was around 10-11% this shower put it straight up to 18-19 APR. I also hear that there customer services is no better.

    That said, pretty much every card provider in the country has done so in recent times. MBNA/Avant's stayed lower in some cases for longer, probably because they were tied up in the sale/transfer.


  • #5
    Ciarrai76
    Registered Users, Registered Users 2 Posts: 9,662 ✭✭✭Ciarrai76


    thankfully it was no hassle cancelling the card! I had paid the €30 extra in it to cover the government charge, so they said they will just confirm it in writing and that is it!
    I am so glad to be rid of it, especially with the bad service etc since Avant Card took over!
    I am finally credit card free :) now to chop it up lol


  • #6
    ben101
    Registered Users, Registered Users 2 Posts: 445 ✭✭ben101


    Ciarrai76 wrote: »
    thankfully it was no hassle cancelling the card! I had paid the €30 extra in it to cover the government charge, so they said they will just confirm it in writing and that is it!
    I am so glad to be rid of it, especially with the bad service etc since Avant Card took over!
    I am finally credit card free :) now to chop it up lol

    You are not the only one,i am going to apply for a different card and then cancel,they are horrible to deal with,they just blocked my card on a small purchase and i cant do anything till Monday as they have no customer service after 2pm ,even if its stolen or lost you have to deal with a third party company based in the UK,come back MBNA all is forgiven:(


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