I'm an idiot...

Puddylove

And accidentally moved £400 into a MasterCard CC by mistake.:rotfl:

I have had the CC for 20 + years, and it doesn't show on Experian or Noddle.
Is it safe for me to withdraw the £400 in cash or is there any possibility that will affect my credit profile/history?
I plan to apply for a mortgage in the next 6 months.

And yes, I'll be more careful next time

Thanks for any advice.

MABLE

Puddylove wrote: »

And accidentally moved £400 into a MasterCard CC by mistake.:rotfl:

I have had the CC for 20 + years, and it doesn't show on Experian or Noddle.
Is it safe for me to withdraw the £400 in cash or is there any possibility that will affect my credit profile/history?
I plan to apply for a mortgage in the next 6 months.

And yes, I'll be more careful next time

Thanks for any advice.

I would ask the card issuer to refund it. If you try to withdraw you will pay cash advance fees and will no doubt show up on your credit files.

Oakdene

Cant you use the card until the £400 it used? Or am I missing something here?

Puddylove

It's to pay for hay - farmers don't take credit cards.

tripled

As Mable suggested, ring 'em up and they should refund it if it's resulted in a surplus (ie they owe you) on the card

bengal-stripe

If you have now a positive balance on the card, ask for a refund, either by bank transfer or cheque.

If you do not have a positive balance, i.e. you paid more than you had intended but you still have outstanding monies on the card, then you probably will be stuck with the payment.

Puddylove

Thanks all.
I owe more on the card, not a positive balance.

Pants! :rotfl:

Guess I'll have to raid a savings account to buy the hay my hooved minions demand.

phillw

Puddylove wrote: »

Thanks all.
I owe more on the card, not a positive balance.

In which case definitely don't withdraw the cash as it will then be a cash advance & paying interest from the day you withdraw it until you pay it back.

MEM62

Puddylove wrote: »

Guess I'll have to raid a savings account to buy the hay my hooved minions demand.

Make them buy their own

eskbanker

Puddylove wrote: »

Thanks all.
I owe more on the card, not a positive balance.

Pants! :rotfl:

Guess I'll have to raid a savings account to buy the hay my hooved minions demand.

If you've been carrying a balance of over £400 on an old card (presumably not at 0%?) then are you earning more on your savings than you're paying in interest on your debt? Seems odd to be carrying (what may be) an avoidable debt into a mortgage application....

Puddylove

MEM62 wrote: »

Make them buy their own

They wouldn't like that - and they are bigger than me - I don't want a hoofing.:D