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Old Credit Card Payments

8 replies 145 views
possom46possom46 Forumite
51 posts
Part of the Furniture Combo Breaker
Ok, I realise this is a little daft......but I was going through my pending transactions this morning and realised that I am paying £20 a month standing order to a credit card (mastercard).....I have gone through both mine and my husband's credit reports and can't find an account that this could relate to. I contacted my bank (HSBC) and all they could tell me was the number of the credit card. I think it might be Santander from years ago, but as it's not on our credit report anymore I am assuming it's paid up and gone! Any ideas on how I can find out please?

Replies

  • digalumpsdigalumps Forumite
    179 posts
    100 Posts Name Dropper
    Your first stage will be to look at the account number and sort code you're paying to

    This will be a generic bank account for a particular credit card

    Hopefully then Google will be your friend to find which card it is,  but if not it is a matter of ringing credit cards and ask them what their sort code and account number is for payments and see if you get a match

    You could post a sort code and account number on here to see if anybody can recognise it
  • edited 12 May at 10:52AM
    digalumpsdigalumps Forumite
    179 posts
    100 Posts Name Dropper
    edited 12 May at 10:52AM
    PS I do believe you can also tell who issued the credit card from the first 4 digits of the long card number but I am not able to help you how
  • penners324penners324 Forumite
    375 posts
    100 Posts First Anniversary
    ✭✭
    And don't forget to cancel the standing order 
  • Wellard_MannWellard_Mann Forumite
    99 posts
    Seventh Anniversary 10 Posts Combo Breaker
    Google 'BIN code UK'. There are various online tools that will enable you to put in the card number and you should be able to identify the issuing bank. No personal experience of doing this I should probably add.
  • jonesMUFCforeverjonesMUFCforever Forumite
    27.3K posts
    Part of the Furniture 10,000 Posts Name Dropper
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    OP also check that there is not a contra credit after the standing order bounced back.
    What goes around - comes around
    give lots and you will always receive lots
  • maxximus75maxximus75 Forumite
    333 posts
    100 Posts Second Anniversary
    ✭✭
    If not, it looks like you have created a nice little savings pot once youre able to claim back the money :)
  • MinuteNoodlesMinuteNoodles Forumite
    316 posts
    100 Posts Name Dropper
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    If not, it looks like you have created a nice little savings pot once youre able to claim back the money :)

    There's no automatic right to the money back so don't count on it.
  • dr_adidas01dr_adidas01 Forumite
    1.4K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭
    If not, it looks like you have created a nice little savings pot once youre able to claim back the money :)

    There's no automatic right to the money back so don't count on it.

    I should think there is especially if the credit card is in credit, you simply ask the credit card provider to pay your credit balance back to your bank account, or even send you a cheque if that's an option.
    Time is a path from the past to the future and back again. The present is the crossroads of both. :cool:
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