In credit on a credit card...

[Guest Gertie100]

I've posted this here because its a general situation question rather than a question about a specific credit card.

 

Due to over zealous payments last month I am currently £46 in credit on my capital one card......I need that money off the bloody thing and to have a balance of £0 so I can close the account.

 

But I am very wary of doing it right so they can't charge me any more interest...is it as simple as just transferring it from there into the account I need it? The card is already cut up so I can't get the cash via a cash point (which would also worry me) but still have the ability to get online to them.

 

So is it as simple as just transferring the correct amount of money off the card therefore making the balance zero??

[PGH7447]

it should be that simple give it a go, and when the balance is zero call and cancel the card, or simply cll them up and cancel the card and get them to transfer the credit balance to your account

[haggis1984]

Mum had this prob a couple of months ago. She cancelled the card and they sent her a cheque for the balance.

[Guest Gertie100]

I suppose it will be novel to speak to them and demand money off them! Will ring them tomorrow...

[rickyd]

If that fails go and put petrol in your car with the credit amount.

[Yorky2008]

Also check your T&Cs, I have a Diners Club card and it states there that it is not allowed to be in credit. If it is then Diners HAVE to refund me the excess straight away.

[rickyd]

Blimey, is Diners Club still on the go?

[Yorky2008]

Unfortunaely yes, my company issues them but no bugger takes them!!!! Just takes up a space in my wallet lol

[rickyd]

Anorak moment! One of the best Thai restaurants in Glasgow - The Thai Fountain, still does, I wonder how many more we can find?