Wrong credit card credited

Monkeyboy2019

Bit of a strange one, I think. Amazon have recently refunded me £440 for a faulty Xbox I bought last year. The refund was a bit slow coming though, but I went ahead and bought a new Xbox from them in the meantime. However, still no refund on my card and now a good 10 or more days past the time they state the refund should appear.

So I check the order from last year on my Amazon account and my suspicions are confirmed. I bought it on an another credit card which I paid off completely and cancelled in June of this year. I received a letter of confirmation from said credit card company who said my account was now closed and to cut up my card.

The refund from Amazon was instigated after this credit card account was supposedly closed. I still had my internet login details for the closed account, so I've just logged in and sure enough, the card still seems to be active with the refund of £440 sitting there, making the account 440 quid in credit rather than debit. All this on a card I thought was closed and that I no longer wanted to use.

Of course, my new credit card has the cost of the new Xbox on it. The refund was supposed to pay for it, but it's now sitting on another card!!

What's the best way out of this? Anyone had problems like this at all? I'm thinking I might try ringing Amazon and get them to charge the old card for that amount, and then refund the correct card. I think I'll also have to ring the old credit card company to ask why the account hasn't been closed. If it had, wouldn't the refund have bounced back?

Another question. Is it possible to pay the debit on one credit card with the credit on another credit card? Thus bringing my credit on my old card back to a zero balance.

Sorry, the post has ended up a bit long. Hope I didn't bore anyone!!

[Deleted User]

Just ask the card with the credit to send you the money, then pay the other.

CakeCrusader

Companies usually refund to the card the payment was made from. If you paid last year using the closed card, the refund will go back to the closed card. You just need to call the credit card company up and they will refund the refund back to you. Then you just pay the new card.

Monkeyboy2019

Thank you, I'll try ringing the old card company to get the refund off the card. Not a situation I've been in before, so was unsure what to do. Thanks again.

penners324

I believe Mastercard and Visa best practice dictates that refunds are done to the card used for the purchase, to cut down on fraud.
It'll also be in Amazon's T&Cs

Chino

penners324 wrote: »

I believe Mastercard and Visa best practice dictates that refunds are done to the card used for the purchase, to cut down on fraud.

What specifically makes you believe this? Or do you just assume this?

oldagetraveller

penners324 wrote: »

I believe Mastercard and Visa best practice dictates that refunds are done to the card used for the purchase, to cut down on fraud.
It'll also be in Amazon's T&Cs

https://www.amazon.co.uk/gp/help/customer/display.html/ref=hp_201819090_to_201819300_2?nodeId=201819300

Terry_Towelling

penners324 wrote: »

I believe Mastercard and Visa best practice dictates that refunds are done to the card used for the purchase, to cut down on fraud.
It'll also be in Amazon's T&Cs

Chino wrote: »

What specifically makes you believe this? Or do you just assume this?

I've been out of cards for 15 years now but, in those days, it wasn't just best practice to refund the card used in the original transaction, it was a very definite rule in the Visa and MasterCard regulations. Much has changed in those 15 years but I doubt that rule has been dropped.

PRAISETHESUN

It's standard practise to refund to the card used to make the purchase - to cut down on fraud. You will need to write to your old card provider and request that they refund your money to you. Unless the two cards are with the same provider, you will not be able to transfer money between them easily - they will most likely write you a cheque, and you can then use that money to pay off your new card.

Chino

Terry_Towelling wrote: »

it was a very definite rule in the Visa and MasterCard regulations.

Even if we assume your memory is correct (and all we have is your say-so), the rule would be impossible to enforce where a cardholder no longer holds the card used originally. Unlike Amazon, most retailers would not retain a record of the card used for the purchase or be able to trace such a record if they did. It would also be very silly of them to even try to effect such a refund because it would not result in the purchaser receiving the refund to which they would be entitled, the law of the land trumping any Mastercard or Visa rule.

PRAISETHESUN wrote: »

It's standard practise to refund to the card used to make the purchase

I don't think anyone has suggested that it isn't standard practice. Although Amazon also allows refunds to be made to an Amazon gift card:
About Refunds

Terry_Towelling

Chino wrote: »

Even if we assume your memory is correct (and all we have is your say-so), the rule would be impossible to enforce where a cardholder no longer holds the card used originally. Unlike Amazon, most retailers would not retain a record of the card used for the purchase or be able to trace such a record if they did. It would also be very silly of them to even try to effect such a refund because it would not result in the purchaser receiving the refund to which they would be entitled, the law of the land trumping any Mastercard or Visa rule.

When the dementia really starts to bite, I may struggle more but not just yet. It's the wife who is really suffering at the moment, thank you.

Anyway, perhaps you'd like to explain the relevance of your post to mine and that of penners324? Would you like me to check that it is still a rule and report back, Sir.