Credit Card Refund and Direct Debit

Helen28

My statement balance due was £250 and I got a refund of £2250 so I phoned Nationwide to get the £2250 paid into my bank account.
I was told that I would only get £2000 paid into my bank account and there would be no direct debit taken that month.
Is this correct as I need the direct debit to be taken from my bank account to be eligible for it's £2 reward?
At least I got my money back for my cancelled holiday and will only lose £2 reward.

jay1804

Yes, nationwide can only return the credit balance. 

dr_adidas01

Yes correct they will only return the credit balance.

digalumps

strange, i didnt think refunds counted towards a cc payment?

molerat

digalumps said:

strange, i didnt think refunds counted towards a cc payment?

It doesn't but if the card is showing a £0 balance at the time the payment is due they may not take the DD.

digalumps

Well if a refund doesn't count as a payment and if they don't take the direct debit then presumably the account will be marked as no payment received for that month?

st999

digalumps said:

presumably the account will be marked as no payment received for that month?

But there was a payment that month, the £2250

digalumps

there was a REFUND that month of 2250 - normally refunds dont count as payments....

2e0arr

is the £2 reward loss a consequential loss ? LOL