Urban myth. True or false?

sharpy2010

heloid wrote: »

It is his fault, but how hard is it for a BANK to transfer money from one account to another?
I've worked hands on with the latest versions of Vision+ (a major credit card banking software package) and pretty damn simple.

The point being though that someone can't make a mistake and them blame someone else for not putting it right quickly enough!

Don't make the mistake in the first place, then you won't need to worry about it!!!!!!!!

Fingerbobs

InsideInsurance wrote: »

I've recently closed 4 credit accounts (2 credit cards, 1 store card and one catalogue account). None at all attempted to retain the business, the store and 1 credit card was even done by the automated system (both issued by the same bank)

I've been through a fair few credit cards over the last few years, and have always had a conversation with the Retentions department when closing them. They rarely offered me anything that would interest me, but I was surprised to not be offered anything at all.

jakesuk

I had a Santander Zero credit card £7 in credit on my March 2012 statement and it was reported to the CRAs as a nil balance.

lightwave_2

Thank you to everyone for your responses (especially Martin - what an honour). I'll summarise everything back in the first post for anybody curious and finding their way here in the future.

Joe_Bloggs

I was looking back via Noddle credit history to my Egg Money credit card. At times it was 4K negative ( in credit to me). Egg were paying 4% per annum interest on this money. I would never knowingly put a card in credit by more than £50 these days.

In my bizarre way I'd rather pay off the card before the statement was due.

J_B.

*Scarlett

I ended up with a credit balance on a card after it was used fraudelently for a small amount.

I was advised by the provider to make the minimum payment so as not to cause a missed payment and they subsequently refunded the fraudulent payment amount so I ended up in credit.

This was months ago and I had quite forgotten about it but have just checked and indeed I have £8.75 to spend - about to go wild!

Thanks for reminding me about this!