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10-03-2007, 10:04 PM
credit card in credit - will i be punished Post #1 Junior Member
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credit card in credit - will i be punished
So lets say theoretically i have a large amount of credit on my credit card. About £300.
Will i be charged for having such a large credit. I know there was something in the news about this a while ago.
I have a barclay card but cant seem to see anything on their website
10-03-2007, 10:06 PM
credit card in credit - will i be punished Post #2 Junior Member
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Not that I know of. Can't see why they'd penalise you for having it in credit. I've had that a couple of times and not had anything adverse happen to me.
10-03-2007, 10:09 PM
credit card in credit - will i be punished Post #3 Junior Member
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sure i heard a while ago that its the credit card companies way of getting back for the credit tarts and all the charge claims. Having a card in credit or not using it enough was being touted as attracting charges
10-03-2007, 10:11 PM
credit card in credit - will i be punished Post #4 Junior Member
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I think "tarts" find it harder to get a new card. Not sure how a company would penalise you for having a card in credit though.
10-03-2007, 10:13 PM
credit card in credit - will i be punished Post #5 Junior Member
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my dad keeps a halifax card in credit for emergencies, so i dont think theres any adverse effects
10-03-2007, 10:18 PM
credit card in credit - will i be punished Post #6 Junior Member
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basically i won some money on a bingo website and was just wondering if there was a way of them getting money out of me
I just checked back of statement and only charges are late payment, going over credit limit and late payments
was wondering if there was some perverse way of them calling this a cash transaction or whatever
10-03-2007, 10:19 PM
credit card in credit - will i be punished Post #7 Junior Member
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I would be appalled if you did get punished tbh
10-03-2007, 10:31 PM
credit card in credit - will i be punished Post #8 Junior Member
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well thanks for reassurance - just my cynical mind in this day and age i spose
10-03-2007, 10:34 PM
credit card in credit - will i be punished Post #9 Junior Member
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Only way you are losing out really is by not earning any interest on it.
Better off contacting bank and getting them to send you a cheque for the £300.
10-03-2007, 10:43 PM
credit card in credit - will i be punished Post #10 Junior Member
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I was in the same position through some large betting wins a while back, couldn't get Barclaycard to refund the credit without closing the account. So I just used it for what it was: actual real credit. Switched all my spending to the Barclaycard for a couple of months, so that I wasn't having to spend any "real" money. Hey presto, your actual bank account will be £300 better off.
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