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Refund to CC with 0 balance?

mikrt
Posts: 196 Forumite


in Credit cards
I purchased a service with my Barclaycard a month ago.
I needed to cancel the service yesterday and it was straightforward, being refunded within 5 working days.
My problem MAY be that I currently have a 0 balance as I pay off ASAP when a debt is shown on statement.
When I previously tried to pay off card it won't allow me to pay off more than is in debt, so I'm wondering if there will be an issue when they try to refund.
I have been purchasing a few items I need over the weekend to try and get a balance but they're not clearing to be paid util statement is available.
Will it refund OK please?
TIA
I needed to cancel the service yesterday and it was straightforward, being refunded within 5 working days.
My problem MAY be that I currently have a 0 balance as I pay off ASAP when a debt is shown on statement.
When I previously tried to pay off card it won't allow me to pay off more than is in debt, so I'm wondering if there will be an issue when they try to refund.
I have been purchasing a few items I need over the weekend to try and get a balance but they're not clearing to be paid util statement is available.
Will it refund OK please?
TIA
0
Comments
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Yes, either just spend it up or ask for it back. Ive had a refund for 4 figures go on a credit card.1
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My issue is whether it will allow a refund into a 0 balance 😊.
If/when it refunds won't be a problem 👍0 -
Ive already answered that. Its fine. Its not a payment, its a refund.
In any case the whole "dont ever let a card go into credit or there is hell to pay" is nonsense, Ive held a very small credit balance on a card once. Yes they sent me a reminder every week to spend it up but they certainly didnt "reject" the initial payment, or instantly close the account.1 -
mikrt said:My issue is whether it will allow a refund into a 0 balance 😊.
If/when it refunds won't be a problem 👍
Most it will just sit there and be eroded by future purchases, some banks really dont like it and if its been positive for a while will automatically trying and send you a cheque or such. You can always contact them and ask them to move it on for you if you dont want to just erode it with purchases.0 -
I've not had a problem with Bcard have a credit on it. (paid money into the wrong account in error) I had to go into the online bit and request a refund. There was no rejection.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇0 -
mikrt said:My issue is whether it will allow a refund into a 0 balance 😊.
If/when it refunds won't be a problem 👍Life in the slow lane1 -
la531983 said:Ive already answered that. Its fine. Its not a payment, its a refund.
In any case the whole "dont ever let a card go into credit or there is hell to pay" is nonsense, Ive held a very small credit balance on a card once. Yes they sent me a reminder every week to spend it up but they certainly didnt "reject" the initial payment, or instantly close the account.
It is, YOU PUTTING your credit card into a credit, that is the no no.Life in the slow lane0 -
born_again said:la531983 said:Ive already answered that. Its fine. Its not a payment, its a refund.
In any case the whole "dont ever let a card go into credit or there is hell to pay" is nonsense, Ive held a very small credit balance on a card once. Yes they sent me a reminder every week to spend it up but they certainly didnt "reject" the initial payment, or instantly close the account.
It is, YOU PUTTING your credit card into a credit, that is the no no.
The way some go off on here in threads on this subject you would think putting a card into credit with a payment would summon the Four Horsemen of the Apocalypse!1 -
born_again said:mikrt said:My issue is whether it will allow a refund into a 0 balance 😊.
If/when it refunds won't be a problem 👍0 -
la531983 said:born_again said:la531983 said:Ive already answered that. Its fine. Its not a payment, its a refund.
In any case the whole "dont ever let a card go into credit or there is hell to pay" is nonsense, Ive held a very small credit balance on a card once. Yes they sent me a reminder every week to spend it up but they certainly didnt "reject" the initial payment, or instantly close the account.
It is, YOU PUTTING your credit card into a credit, that is the no no.
The way some go off on here in threads on this subject you would think putting a card into credit with a payment would summon the Four Horsemen of the Apocalypse!0
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