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Credit Card Refund Question

Discussion in 'Off-Topic Discussion' started by PVT Pablo, May 5, 2013.

  1. May 5, 2013 at 3:59 PM
    #1
    PVT Pablo

    PVT Pablo [OP] Ultra Junior Member

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    Hello TW,

    I have a banking quandary so I have come to tacoma world to solve it! So, I recently payed off my credit card, so now it has a $0.00 balance. I am due in a week or so to get a refund on some stuff I bought for around 600 bucks. How does that work? How can they refund me money on my credit card, if it is completely paid off? Will I have extra credit card limit until I spend 600 dollars on it?

    Thanks, I know ya'll will come through.
     
  2. May 5, 2013 at 4:00 PM
    #2
    Monster Coma

    Monster Coma Well-Known Member

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    They will give you a $600 credit
     
  3. May 5, 2013 at 4:02 PM
    #3
    ToyComa92

    ToyComa92 Write your love, Then your anger.

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    Yah it will just give you a 600 dollar credit, Im sure if you wanted they would be someway to get the 600 dollars in a check but im not sure how that completely works with your credit card company.
     
  4. May 5, 2013 at 4:04 PM
    #4
    PVT Pablo

    PVT Pablo [OP] Ultra Junior Member

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    So lets assume my credit card limit is $10,000. If my balance after I payed it off is $0.00 and I receive a $600 credit, what will my statement say?
     
  5. May 5, 2013 at 4:04 PM
    #5
    Monster Coma

    Monster Coma Well-Known Member

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    you can spend $600 without owing any money.

    so it should say amount due: ($600)
     
  6. May 5, 2013 at 4:05 PM
    #6
    ToyComa92

    ToyComa92 Write your love, Then your anger.

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    Probably the place that refunded you and it will be a credit of 600. instead of a purchase. Then youre credit limit will say 10,600.
     
  7. May 5, 2013 at 4:06 PM
    #7
    PVT Pablo

    PVT Pablo [OP] Ultra Junior Member

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    Ah ok thats what I was looking for, thank you very much. Jeez thats weird.
     
  8. May 5, 2013 at 4:07 PM
    #8
    Monster Coma

    Monster Coma Well-Known Member

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    Youre credit limit wont be $10600. You will just be able to spend $600 without owing anything.
     
  9. May 5, 2013 at 4:08 PM
    #9
    ToyComa92

    ToyComa92 Write your love, Then your anger.

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    Yah hes right, Sorry for the incorrect answer.
     
  10. May 5, 2013 at 4:09 PM
    #10
    PVT Pablo

    PVT Pablo [OP] Ultra Junior Member

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    Hmm... I feel that my bank statement should reflect this somehow, seeing as I would have no proof otherwise. Well either way thanks guys, I was just worried they wouldn't be able to give it to me.
     
  11. May 5, 2013 at 4:11 PM
    #11
    Monster Coma

    Monster Coma Well-Known Member

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    Haha no worries I thought the same thing before as well.
     
  12. May 6, 2013 at 8:32 AM
    #12
    Evil Monkey

    Evil Monkey There's an evil monkey in my truck

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    It will show a credit balance but won't affect your credit limit. Some credit card banks will send a check if the balance stays on the card for more than a couple of months. You could also call the credit card bank and have them send you a refund check.
     
  13. May 6, 2013 at 8:37 AM
    #13
    theredofshaw

    theredofshaw Well-Known Member

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    Call and ask. Had to do this my old bank sent two payments instead of one to the CC. They said I had to wait a few days for it to clear then I could request a check. I ended up needing to make a large purchase and in the end just used the CC for it.
     
  14. May 6, 2013 at 8:39 AM
    #14
    97Blk_one

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    They will not sent you a refund check, their business is to make money, they keep your money so they can charge you the fee(s). if you have $10,000. and all paid off, and you have $600 refunds. When your statement come it would say -$600.00 ( that meant the bank owned you)
     
  15. May 6, 2013 at 11:02 AM
    #15
    Evil Monkey

    Evil Monkey There's an evil monkey in my truck

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    Yes they will. I've done it multiple times.
     
  16. May 6, 2013 at 11:05 AM
    #16
    hetkind

    hetkind Well-Known Member

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    You can call and request a refund check, I got one from Citibank last week...

    Howard
     
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