Oh my god what have I done!! Overpaid a Capital one CC

kindofagilr

Hey

I am so stupid, I just paid off my balance on my credit card using the faster payment method from Halifax bank

Then went back onto my account transactions on Halifax and realised I already paid them £500 yesterday :mad:

I am just about to ring them to see what they can do (probably nothing at the min cos it wont be showing)

Surely they will have to give me my money back though?

Anyone else ever done this?

cifpower

Is the CC now in credit? If not, I don't see why CapOne would refund you the money.

kindofagilr

Yes it in credit £500 now

I just spoke to them, and she said once the payment is showing as credited which should be Thurs then I need to call them back and they will either send me a cheque or pay it direct back to my account

My god I just cant believe I did that!

never-in-doubt

kindofagilr wrote: »

Yes it in credit £500 now

I just spoke to them, and she said once the payment is showing as credited which should be Thurs then I need to call them back and they will either send me a cheque or pay it direct back to my account

My god I just cant believe I did that!

just withdraw it! easiest option - chill dude, no biggie - its your cash so just go to atm and take out!

cifpower

never-in-doubt wrote: »

just withdraw it! easiest option - chill dude, no biggie - its your cash so just go to atm and take out!

Surely you would be charged if you did that? Just request a cheque.

kindofagilr

Yeah I would be charged for using the cash machine, its ok I just spoke to them and I can have a cheque or a transfer into my bank

never-in-doubt

cifpower wrote: »

Surely you would be charged if you did that? Just request a cheque.

nah, not if you in credit - they only charge when you take out and use it as credit facility!

its free if you in credit..... if they told you different they talking crap - its the law!

kindofagilr

They didnt mention drawing it out of the cash point to be honest lol, I will just probs get a bank transfer

never-in-doubt

kindofagilr wrote: »

They didnt mention drawing it out of the cash point to be honest lol, I will just probs get a bank transfer

fair enuff mate - better in your hands than theirs LOL :beer:

johnllew

never-in-doubt wrote: »

nah, not if you in credit - they only charge when you take out and use it as credit facility!

Most credit cards will impose a cash withdrawal fee, whether in credit or not.

its free if you in credit..... if they told you different they talking crap - its the law!

Precisely which law?

Moggles_2

never-in-doubt wrote: »

Nah, not if you're in credit - they only charge when you take out and use it as credit facility. It's free if you're in credit..... if they told you different they're talking crap - it's the law!

Don't know where this notion has come from

If you withdraw cash from an atm, their systems automatically apply a cash advance fee and you're charged cash withdrawal interest rates, even though it's your money.

Yeah, I would be charged for using the cash machine

Fortunately, it sounds as though the OP knows better.