Sorry maybe bit of a Thicko question re credit card being in credit

dondo

As the title suggests- maybe a bit of an obvious answer but thought would ask

My M&S crdit card is in credit and as off on holiday soon cash would be handy- now I could get them to send me a check but I thought might be easier just to get the cash out of a cash machine.

Now as I'm in credit and provided by taking the cash out I don't go into debit then I presume I won't get charged anything. I know if I took out cash under "normal" circumstances things like cash advance fees/interest would apply

Cheers

lisyloo

You won't get charged interest.
But if they charge for taking money out of machine, then you'll get charged. that fee.

lisyloo

Are you allowed to go in credit on this card?
On most it's a breach of Terms and conditions and some might even charge.
Generally your money is not insured against theft/fraud.

dondo

Thanks for replies- am pretty sure am OK to go into credit- they've never said anything when I've been on phone to them

CannyJock

dondo wrote: »

Thanks for replies- am pretty sure am OK to go into credit- they've never said anything when I've been on phone to them

Easiest way to deal with this is to just spend the money. If you're going on holiday soon there's bound to be last minute purchases or duty free

dondo

CannyJock wrote: »

Easiest way to deal with this is to just spend the money. If you're going on holiday soon there's bound to be last minute purchases or duty free

Cheers for the reply- the main bit of the holiday will be at Glastonbury so thought cash may be handier