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Help -refund to credit card but it's closed??
anna42hmr
Posts: 2,897 Forumite
in Credit cards
Can any on help or advise- I need to get a refund but the company will only refund back to original card. Normally that would be fine but i have since cancelled and closed the credit card. The credit card was nationwide, has anyone else had this problem and what would you suggest I do?
MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..
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Comments
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What do you call the account “being closed”?
If the account is closed because you asked for it to be closed and there are no payments outstanding, then the account will be temporarily reopened to take the payment, you will be sent a cheque and the account gets shut down again.
People here talk about accounts being “closed”, if, due to the account having defaulted, the CC closes the account in their books and sells it off to some debt recovering agency. If that is the case, the refund will be used to pay off the outstanding debt (either wholly or partially). If the refund is more than the outstanding debt, then a cheque for the balance will be issued.0 -
Hi, it's closed as I asked them to do so, no debt etc outstanding thanks for the reply at least I know that the card company can send the money on to me afterMFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..0
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How long ago did you close this credit card account?0
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It was closed a couple of months agoMFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..0
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It's possible the refund can still go through to a closed account. Ring your issuer to check. If not it's reasonable to ask them to send you a cheque0
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