Closed credit card and refunds

swaneldo

During the past year, I have closed a credit card account and had 2 moved to new providers - keeping track of the numbers is a tad tricky.  I took out a magazine subscription, but subsequently decided to cancel and was due a refund.  However, refunds go back to the original payment method.  Despite advising I no longer had that particular credit card, the seller said that the refund had been accepted so I had to take it up with the bank.  Now ... which card; which bank; do I not have the account with now!  Finally found the relevant numbered card and then had the task of trying to contact a bank (no human being to talk to obviously) about an account I no longer had with them.  Usual press this that and the other on the phone, but they still had my details and matched my mobile number.  There was already a refund on the account from months ago which the bank had not contacted me about, nor did they send a cheque to my home address on record.  If I hadn't checked, this earlier refund would have been lost.  Beware as you may have money lingering somewhere which the bank just holds onto without letting you know.

born_again

Note to self.
Keep a old statement, note all details. Even when closing account, your security details & acc will still be there with the CC.