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RBS Revolve account in minus balance (help)

Hypocrisy
Hypocrisy Posts: 5 Forumite
in Budgeting & bank accounts
1st of all I want to say that if this topic is in the wrong place then sorry, I'm new to the site.

I have an RBS Revolve account (with solo card) and I on purpose bought something that costed me more than what was in my account. And the payment went through and now my account is in £12 minus balance.

Does anyone know what happens? Like the charges etc?

Thanks.
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Comments

  • stclair
    stclair Posts: 6,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hypocrisy wrote: »
    1st of all I want to say that if this topic is in the wrong place then sorry, I'm new to the site.

    I have an RBS Revolve account (with solo card) and I on purpose bought something that costed me more than what was in my account. And the payment went through and now my account is in £12 minus balance.

    Does anyone know what happens? Like the charges etc?

    Thanks.

    First question is how old are you? If your under 18 the bank can not charge you.

    It will just stay as a negative balance until the account becomes in credit again. I wouldnt go over to often or the bank will close the account.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • Hypocrisy
    Hypocrisy Posts: 5 Forumite
    edited 14 November 2009 at 10:40PM
    stclair wrote: »
    First question is how old are you? If your under 18 the bank can not charge you.

    It will just stay as a negative balance until the account becomes in credit again. I wouldnt go over to often or the bank will close the account.
    I'm 14 years old. It is a debit card account, not the other ones, if you get what i mean?
    Oh also its the 1st time I've gone over.
  • stclair
    stclair Posts: 6,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hypocrisy wrote: »
    I'm 14 years old. It is a debit card account, not the other ones, if you get what i mean?

    Yeah I know what you mean! Youll be ok just make sure you put your account into credit again as soon as you can. The bank can not charge you as your under 18.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • Hypocrisy
    Hypocrisy Posts: 5 Forumite
    stclair wrote: »
    Yeah I know what you mean! Youll be ok just make sure you put your account into credit again as soon as you can. The bank can not charge you as your under 18.
    oh ok, never knew that, thanks.
    See when you mean charged, do you mean extra charges on top of the £12 or just the £12 itself? And yeah I am going to pay back asap.
  • stclair
    stclair Posts: 6,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hypocrisy wrote: »
    oh ok, never knew that, thanks.
    See when you mean charged, do you mean extra charges on top of the £12 or just the £12 itself? And yeah I am going to pay back asap.

    I mean Extra charges on top of the £12.00 :D
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • Hypocrisy
    Hypocrisy Posts: 5 Forumite
    stclair wrote: »
    I mean Extra charges on top of the £12.00 :D
    ok lol, I was told it is £40 charge. Was worried there.

    Thanks!
  • Twister84
    Twister84 Posts: 525 Forumite
    Part of the Furniture Combo Breaker
    Spending money that you don't have is not the best of ideas - especially on purpose :p
    Anything that I do say, is strictly my opinion :p
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    He probably bought Modern Warfare 2 :rotfl:
  • ctdctd
    ctdctd Posts: 1,114 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Twister84 wrote: »
    Spending money that you don't have is not the best of ideas - especially on purpose :p

    Gordon and Alistair - are you listening?:rotfl:

    However, for a 14 year old, the Mum and Dad bank is usually the best one to get an overdraft with!
    Do Money Saving sites make you buy more bargains - and spend more money?
  • Hypocrisy
    Hypocrisy Posts: 5 Forumite
    michael1983l wrote: »
    He probably bought Modern Warfare 2 :rotfl:
    haha lol, I already bought Mordernwarfare 2 (PS3).
    I was just checking to see what would happen.
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