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    • lindabea
    • By lindabea 13th Feb 18, 1:07 PM
    • 970Posts
    • 136Thanks
    Credit card payment
    • #1
    • 13th Feb 18, 1:07 PM
    Credit card payment 13th Feb 18 at 1:07 PM
    I have a balance on my Jan credit card statement with payment due on 22nd Feb. However, I am expecting a refund in the next 3 days as I returned the corresponding item. Can someone please tell me if the refund can be offset against the CC balance without the need for me to make a separate payment; otherwise, I will end up with a credit balance which will take several months to use up (it's not my main CC). Also, I don't want to incur any missed payment fees or any interest, or worse still, risk my credit ref be compromised.
    Before doing something... do nothing
Page 1
    • zx81
    • By zx81 13th Feb 18, 1:09 PM
    • 16,355 Posts
    • 17,380 Thanks
    • #2
    • 13th Feb 18, 1:09 PM
    • #2
    • 13th Feb 18, 1:09 PM
    It depends on your card, as to whether it will count towards the payment.

    The t&cs will tell you how your particular provider treats it.
    • dresdendave
    • By dresdendave 13th Feb 18, 5:52 PM
    • 732 Posts
    • 899 Thanks
    • #3
    • 13th Feb 18, 5:52 PM
    • #3
    • 13th Feb 18, 5:52 PM
    As suggested, check T&c's, if not clear perhaps ring customer services. If you say who the card provider is someone on here may have been in the same situation and be able to advise.

    Unless you get 100% confirmation it will count as payment, it is probably best to make a minimum payment to safeguard yourself against anything that could blot your credit history.
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