Credit cards. In credit.

[tiggertastic]

So I have a credit card I use for international purchases like hotels etc. No my flight has been cancelled and I start to get refunds to this card can I simply withdraw money without the massive charges?

My spend has reduced while in lock down so it would take ages to go back to no credit.

Any idea?

[loola30]

I think you can request the credit card company transfer it back to your current account via BACS.

[arielrocks]

You just called the card co up and they will trans to excess to your bank account, taking anything off that is owed first.

[tiggertastic]

Thanks It's already in credit. I don't have a current account with that bank. I'll try and call in the week.

[disneypars]

Originally Posted by arielrocks

You just called the card co up and they will trans to excess to your bank account, taking anything off that is owed first.

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This is all you need to do. Just done it for our Disney refund.

[Guest]

I wouldn’t make a cash withdrawal for it. As other people have mentioned you can ask them to transfer it, if you can get through.

That said, I have a credit card that got a big refund on and am in credit but I am thinking I will use the credit card to pay for stuff over the coming months.

[ClaireNJ]

Originally Posted by tiggertastic

Thanks It's already in credit. I don't have a current account with that bank. I'll try and call in the week.

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You don’t need to be same bank, I think you ask for a credit balance refund

[ERICSMUM]

Originally Posted by Claudette

I wouldn’t make a cash withdrawal for it. As other people have mentioned you can ask them to transfer it, if you can get through.

That said, I have a credit card that got a big refund on and am in credit but I am thinking I will use the credit card to pay for stuff over the coming months.

See more...

I’m not sure your purchases would be covered by the credit card S75 clause if made from a credit balance ?

[Mr Tom Morrow]

Originally Posted by ERICSMUM

I’m not sure your purchases would be covered by the credit card S75 clause if made from a credit balance ?

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Mmm, interesting question. Wonder if anybody knows?

[tiggertastic]

I had thought about spending on it but it would take too long.

I didn't th nk about the s75 thing. But not sure how useful if is on supermarket shops in my case 😂