Credit on credit card

Mar 15, 2005 5 Replies

I have a positive amount on a credit card (50 quid or so), due to a direct debit and a manual payment going in together (whoops). What's the easiest way to get the money off the credit card, given that I don't really use it (now the balance is paid off)?



If I close down the card can I ask the provider to give me a cheque for the positive balance?



The minimum balance transfer is 100 quid, so I suppose I could send them another 50 quid, then transfer it to my egg card, and then my bank account... (providing there are no charges)



cd


Just ring them up and ask for a cheque refund or a credit back to your bank account - there should be no charge. If they indicate otherwise, put the phone down and ring back - you might get somebody who knows what they are talking about.

I had a similar situation on my Amex card (entirely due to my own c*ck-up) and ended up just under 50 quid in credit.

So I took my wife out for a nice dinner and paid with the card - double whammy: balance back down to nil and a happy missus !

Nick

Think I'd rather have the money!

Do you know his wife then?

Jim.

Thanks for that - Halifax refunded the positive balance, no questions asked.

cd

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