Credit on credit card


C

criticaldensity

I have a positive amount on a credit card (50 quid or so), due to a
direct debit and a manual payment going in together (whoops). What's the
easiest way to get the money off the credit card, given that I don't
really use it (now the balance is paid off)?

If I close down the card can I ask the provider to give me a cheque for
the positive balance?

The minimum balance transfer is 100 quid, so I suppose I could send them
another 50 quid, then transfer it to my egg card, and then my bank
account... (providing there are no charges)

cd
 
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L

Layezee

I have a positive amount on a credit card (50 quid or so), due to a
direct debit and a manual payment going in together (whoops). What's the
easiest way to get the money off the credit card, given that I don't
really use it (now the balance is paid off)?

If I close down the card can I ask the provider to give me a cheque for
the positive balance?

The minimum balance transfer is 100 quid, so I suppose I could send them
another 50 quid, then transfer it to my egg card, and then my bank
account... (providing there are no charges)

cd
Just ring them up and ask for a cheque refund or a credit back to your bank
account - there should be no charge. If they indicate otherwise, put the
phone down and ring back - you might get somebody who knows what they are
talking about.
 
F

fisherofsouls

I had a similar situation on my Amex card (entirely due to my own
cock-up) and ended up just under 50 quid in credit.

So I took my wife out for a nice dinner and paid with the card - double
whammy: balance back down to nil and a happy missus !

Nick
 
L

Layezee

I had a similar situation on my Amex card (entirely due to my own
cock-up) and ended up just under 50 quid in credit.

So I took my wife out for a nice dinner and paid with the card - double
whammy: balance back down to nil and a happy missus !
Think I'd rather have the money!
 
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C

criticaldensity

Just ring them up and ask for a cheque refund or a credit back to your
bank account - there should be no charge. If they indicate otherwise, put
the phone down and ring back - you might get somebody who knows what they
are talking about.
Thanks for that - Halifax refunded the positive balance, no questions
asked.

cd
 
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