Cancelling Card with Credit balance

cepheus

Due to a balance transfer some time ago, I have discovered there is a credit balance on an old card. Unfortunately the card is destroyed. Can I request the balance to be repaid to me, or must I use the card to reduce the balance before the account can be shut down? The fact that customer services seem to keep me waiting for hours doesn't help!

youknowwho

cepheus wrote: »

Due to a balance transfer some time ago, I have discovered there is a credit balance on an old card. Unfortunately the card is destroyed. Can I request the balance to be repaid to me, or must I use the card to reduce the balance before the account can be shut down? The fact that customer services seem to keep me waiting for hours doesn't help!

Thats your money! you more than entitled to it, ring them up and just ask for the credit balanmce to be returned to you via a cheque or your current account.

bonvonnie

OH had a credit balance on one of his cards, as we are getting rid of excess cards, we just rang them up.

what card is it? if its a bank-linked one, how about popping into branch, if the phones are taking so long

cepheus

youknowwho wrote: »

Thats your money! you more than entitled to it, ring them up and just ask for the credit balanmce to be returned to you via a cheque or your current account.

The reason why I asked this question is because I have run up a small credit balance before on another card and they insisted I need to use the card or retransfer the balance back to the original card which would have resulted in the same problem, just on another card!

tom188

banks are often not keen to send you the money to your current account or by cheque as you are essentially asking for a "super balance transfer" for free, and most firms would ordinarily levy a fee on this.

emma396

i recently closed my egg money acount with a credit balance of £200ish. got transfered back to me straight away.