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I have paid my credit card off twice

redrabbit29
redrabbit29 Posts: 1,074 Forumite
Part of the Furniture 500 Posts Name Dropper
in Credit cards
I have a HSBC current account and a credit card.

The card is fairly new and I have been paying it off manually as I control it fairly well and like to manage what I keep on there as debt.

Well recently I paid about £800 off it.

I just logged on and saw that full repayment must have been turned on as about £1000 has been paid on to it (paying it off entirely), which means:

My current account is now minus £900.
My credit card is actually PLUS £300 or similar

Do you know if there's an easy way of reversing this? I can't call HSBC due to the time and I'm a bit anxious about it.

Thanks
Amo L'Italia
«1

Comments

  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    HSBC should be able to refund the £300....they'll send you a cheque.
  • redrabbit29
    redrabbit29 Posts: 1,074 Forumite
    Part of the Furniture 500 Posts Name Dropper
    stephane wrote: »
    HSBC should be able to refund the £300....they'll send you a cheque.

    Thanks!

    Is there anyway I could get the £900 odd back? I wanted to pay te card off in different amounts as its 0%
    Amo L'Italia
  • Sagz_2
    Sagz_2 Posts: 6,251 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yup, just call and explain and they usually send a cheque out for anya posative balance - I've done it twice over the years:o
    Some days you're the dog..... most days you're the tree! :D
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    You could argue with the bank that you've made a mistake....however they don't have to do it if they don't want to....
  • redrabbit29
    redrabbit29 Posts: 1,074 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Thanks guys.

    I'm sure it will be fine based on what you say. My HSBC account has been my main one for 12 years and I use it for all my main stuff.
    Amo L'Italia
  • dalesrider
    dalesrider Posts: 3,447 Forumite
    stephane wrote: »
    HSBC should be able to refund the £300....they'll send you a cheque.


    No. What they will do is refund it back to the account the funds came from.
    Usually the dd SOURCE.
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    dalesrider wrote: »
    No. What they will do is refund it back to the account the funds came from.
    Usually the dd SOURCE.

    Yes....or send a cheque!
  • dtaylor84
    dtaylor84 Posts: 648 Forumite
    Part of the Furniture Combo Breaker
    No. They are extremely unlikely to be willing to send a cheque.
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    dtaylor84 wrote: »
    No. They are extremely unlikely to be willing to send a cheque.

    No...I don't think so...very common
  • dalesrider
    dalesrider Posts: 3,447 Forumite
    stephane wrote: »
    No...I don't think so...very common

    Lets just say we would never send a cheque. Always payment back to the source.
    Money laundering and all that jazz.

    Think you will soon see cheque's for overpayment stopped.
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
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