Old Credit Card Payments

possom46

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?

digalumps

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

digalumps

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

penners324

And don't forget to cancel the standing order 

Wellard_Mann

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.

jonesMUFCforever

OP also check that there is not a contra credit after the standing order bounced back.

maxximus75

If not, it looks like you have created a nice little savings pot once youre able to claim back the money

MinuteNoodles

maxximus75 said:

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_adidas01

MinuteNoodles said:

maxximus75 said:

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.