In Credit on my Credit Card?

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Hi All :j

I was wondering if anyone can help me. I've just taken out a new virgin card for the 0% balance transfer, got the balance transferred, and the direct debit has gone out for the minimum payment at the same time as the transfer... leaving my original card £45 in credit (ie i have + £45 on there rather than the usual minus figure on a CC). Is there any way of getting this money back?

Apologies if this is a stupid question or has been asked loads before... I couldnt think how to search for it without using the words 'in credit', which obviously brings up just about every post in this forum

NickX

Not a stupid question at all. You should be able to phone the Card Provider concerned and request a refund, this can be direct into your Bank Account or sometimes they prefer to issue a cheque.

dipsy

I had a credit on Nationwide CC, they would only issue a cheque, wouldn't pay back into the account they took the D/D from.

been a week now and still waiting for the cheque....

lightisfading

Simple as that, done already. Thanks very much NickX

HamiltonL

dipsy wrote: »

I had a credit on Nationwide CC, they would only issue a cheque, wouldn't pay back into the account they took the D/D from.

been a week now and still waiting for the cheque....

Customer Services probably passed the details on to the back office to do which might be in a different location. It might take a bit longer. I'm surprised they wouldn't do a BACS though.

Mozette

I know the OP has now got a refund, but you could of course just spend that amount on the card if any other way is too much of a faff.

lightisfading

Mozette wrote: »

I know the OP has now got a refund, but you could of course just spend that amount on the card if any other way is too much of a faff.

true, I wasn't thinking very clearly about it while half asleep and it didnt occur to me that using the credit up wouldnt accrue interest which is why i dont normally use the card :rolleyes: