Refund to CC with 0 balance?

mikrt

CliveOfIndia said:

mikrt said:

I've tried making payments previously into account to put me in credit for upcoming bills, and barclaycard won't allow it from their platform. I guess a bank payment would be different though. 

To reiterate what has already been said, deliberately putting a card into credit (i.e. by you making a payment) is against the T&Cs of all cards (how strictly they enforce it does vary from lender to lender, and often depends on the amount in question).  But a refund from a merchant is treated differently, and causes no problems whatsoever.

mikrt said:

My problem MAY be that I currently have a 0 balance as I pay off ASAP when a debt is shown on statement.

Why do you do this?  It negates many of the benefits of a credit card (well, I guess you are getting the S75 cover), as well as making life unnecessarily complicated - you may as well just use a debit card.  Just wait for the statement to be generated then pay it off in full.

Exactly, for S75 (obviously, only for >£100 purchases)

I can go for months without using it, but when I do, I pay it off ASAP. 😊

MEM62

mikrt said:

CliveOfIndia said:

mikrt said:

I've tried making payments previously into account to put me in credit for upcoming bills, and barclaycard won't allow it from their platform. I guess a bank payment would be different though. 

To reiterate what has already been said, deliberately putting a card into credit (i.e. by you making a payment) is against the T&Cs of all cards (how strictly they enforce it does vary from lender to lender, and often depends on the amount in question).  But a refund from a merchant is treated differently, and causes no problems whatsoever.

mikrt said:

My problem MAY be that I currently have a 0 balance as I pay off ASAP when a debt is shown on statement.

Why do you do this?  It negates many of the benefits of a credit card (well, I guess you are getting the S75 cover), as well as making life unnecessarily complicated - you may as well just use a debit card.  Just wait for the statement to be generated then pay it off in full.

I can go for months without using it, but when I do, I pay it off ASAP. 😊

No point in paying it off until you receive the statement. 

jamesrcmd

MEM62 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 👍

I had £1,500 refunded to my Barclaycard with no issues.  I just asked them for the money and they transferred it to my bank account.  

The same happened to me only with Nationwide and a different amount. I asked them to transfer it to my bank account. No issues at all.