Capital One Credit Query

yoshiyella

Hi All,

I have a Capital One card with limit £200.

I have accidently over paid by £14 so am now £14 in credit - does anyone know if Capital One are ok with this as a one off? I did send them a secure message but the response was "Yes you are in credit" and nothing more!

Thanks for someone answering this!

MrSilk

You should be ok, I'd spend the £14, to make bring the account back to normal.

Bartelmy

What do you mean by "okay" with it? What do you think will happen? I highly doubt you'll be investigated for money laundering over £14 if that's what you're thinking.

You can either ask for them to refund it into the account you paid it from or by cheque, OR just spend on the card as normal.

IDoDoodles

Literally had to deal with this myself today!
I'd paid off the balance in full, totally forgetting that I'd transferred £50 to it a few days prior. It hadn't been registered on the account balance, pending or otherwise, so it didn't even occur to me at the time.

Anyway, I just called them up and asked them to send the excess £50 back to the account from which it was paid. They said it'd stay on the account for around 10 days (couldn't get a proper reason why other than "the system"), where it would then be refunded and be received within 3-4 days, pretty standard. So from today I'm looking at having it back in my account around the 24th-25th Nov.

Could be worse. Anyway, I think this kind of thing happens a fair amount, and there was no issue with getting it back, just a small wait.

yoshiyella

Bartelmy wrote: »

What do you mean by "okay" with it? What do you think will happen? I highly doubt you'll be investigated for money laundering over £14 if that's what you're thinking.

You can either ask for them to refund it into the account you paid it from or by cheque, OR just spend on the card as normal.

As some card companies do not like you going in credit on a credit card. :santa2:

It was a simple question which 2 people have kindly offered help and support. You on the other hand......