Paid wrong card.

MikeJO

This is probably covered somewhere else but hopefully it's an easy answer. I've just accidentally paid £300 odd to a credit card which only had £60 due, will it show up as £240 credit or will they refuse it (I immediately cleared the balance on the card that was due £300)?

I'm actually not overly bothered either way but it's something I've not done before so just wondered.

[Deleted User]

It'll show as a credit that you can either spend or request back.

Spending is the easiest route.

MikeJO

Deleted_User wrote: »

It'll show as a credit that you can either spend or request back.

Spending is the easiest route.

Thanks for the quick reply, I'll enjoy spending it; it'll feel like "free" money:).

[Deleted User]

Yeah, it can do, can't it?

Like that £10 you find in the back pocket of a pair of jeans you haven't worn in a fortnight. It's like a tiny lottery win.

PRAISETHESUN

It'll all depend on the bank - most lenders consider it against their T&Cs to bring a card into a positive balance. Some are known to return the money back to the originating source, whilst other will let you return the positive balance to a current account.

Don80

I did that by mistake once, and the balance was returned to my bank account.

tryin

Which card is it? If you tell us there will probably be someone with experience with that card. I can tell you that the halifax clarity card goes into credit without any problems.

eskbanker

tryin wrote: »

Which card is it? If you tell us there will probably be someone with experience with that card. I can tell you that the halifax clarity card goes into credit without any problems.

No you can't!

You can perhaps say that you were able to put your Clarity into credit and that you weren't penalised for it on the occasion(s) it happened with yours, but that's not the same thing as being able to give a blanket assurance for others....

Beem1

Request a cheque or a refund into your account

muhandis

Same here, happens occasionally due to merchant refunds on my Halifax Clarity card, have had no problems spending the excess over a bit of time.

tryin wrote: »

Which card is it? If you tell us there will probably be someone with experience with that card. I can tell you that the halifax clarity card goes into credit without any problems.

lopsyfa

Hypothetical I know,

assuming you are close to your payment date (and you haven't paid the minimum payment or paid in full to avoid the interest), i can see a situation where the card provider return the full amount (not the excess) but you don't have enough time to make the payment and therefore incur late payment charge or interest.

I am not saying this applies to the OP but in case the OP can take steps to prevent this.