Credit card refund query

DaveG247

Morning all, so I'm looking at purchasing a mirrorlesss camera and Nikon have a 30 day trial running which looks to be a good way to try before you buy.

So guess my question is if I buy it on my credit card (Lloyds) and decide to return it I'd probably be after my card is due (I have the money to cover it and pay off my credit cards in full each month) will I then end up with a couple of thousand in credit on my card? I usually on spend a couple of 100 quid max each month so be a while before I'd use up the refunded money. 

Suppose I could use my debit card but I'm always a bit dubious about that 

Any advice just to put my mind at rest cheers 

Fingerbobs

Yes, you would end up with a credit balance on the card. You could either spend through it as you suggest, or contact Lloyds Card Services and ask for the credit balance to be refunded to you, which usually takes a couple of days. 

DaveG247

Fingerbobs said:

Yes, you would end up with a credit balance on the card. You could either spend through it as you suggest, or contact Lloyds Card Services and ask for the credit balance to be refunded to you, which usually takes a couple of days. 

Ah cheers, I didn't know you ask for the credit balance to be refunded 👍

DullGreyGuy

DaveG247 said:

Fingerbobs said:

Yes, you would end up with a credit balance on the card. You could either spend through it as you suggest, or contact Lloyds Card Services and ask for the credit balance to be refunded to you, which usually takes a couple of days. 

Ah cheers, I didn't know you ask for the credit balance to be refunded 👍

Credit card companies don't like people carrying a positive balance and may proactively attempt to give it back to take you back to 0