Credit Card, in credit !

NoNoDrama

So I transferred the whole balance out earlier in the month but forgot to cancel the DD. Now they have take the DD leaving my account showing £96CR - how do I get this money back? MBNA are the culprits :mad:

Angry_Bear

NoNoDrama wrote: »

So I transferred the whole balance out earlier in the month but forgot to cancel the DD. Now they have take the DD leaving my account showing £96CR - how do I get this money back? MBNA are the culprits :mad:

Call them and ask them to transfer the amount. Ensure that they won't make the mistake of trying to charge you a "cash advance" fee - Clydesdale did this to me once when I had a similar issue (they tried to charge me £3.00 cash advance fee when I took out about 20p to close off the account :doh:, but paid it back when I complained).

[Deleted User]

Phone them up and ask for a refund of the credit.

NoNoDrama

By what method are they going to return it though? I want it back in my bank account, not transferred to another card. Or should I spend the credit on the card or just under so any interest is nullified by the remaining credit?

Kim_13

Might be best to just spend £96 on the card.

My dad has had 17p credit on his Barclaycard for years, as he no longer uses it. They refused to refund it (although perhaps because it's such a trivial amount,) won't close the account because it's in credit and just keep sending him stuff in the post.

No_6

If you have no money probs...just spend it.
it is xmas


6

SnowTiger

NoNoDrama wrote: »

So I transferred the whole balance out earlier in the month but forgot to cancel the DD. Now they have take the DD leaving my account showing £96CR - how do I get this money back? MBNA are the culprits :mad:

Wow. Shifting responsibility there.

http://www.mbna.co.uk/understanding-credit/making-payments/:

Please note: Direct Debit payments will be taken regardless of any additional payments you make.

Thanks to a refund, my Halifax Clarity card is currently about £170 in credit.

Simply spending it on the stuff you'd usually buy. That's what I'll be doing.

Ccarter

They will send it back, they ahve to wait 5 working days to make sure dd is honoured. Give them a ring and ask for a credit balance refund.