Negative credit card balance

3,194 Views | 18 Replies | Last: 4 yr ago by oldschool87
saw em off
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7:34p, 4/1/20
Having to cancel my whole spring life, is there a way to transfer a negative cc balance back to the bank in which you pay your cc with?

It's a large amount and I would just keep it in there, but I'd like it to earn a little interest.
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Fat Bib Fortuna
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7:36p, 4/1/20
AG
If only credit card companies had phone numbers.
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39
FriendlyAg
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7:38p, 4/1/20
What's a negative balance? Like they owe you?
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King moto moto
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In reply to FriendlyAg • 7:49p, 4/1/20
AG

FriendlyAg said:
What's a negative balance? Like they owe you?

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Scoopen Skwert
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7:50p, 4/1/20
AG
Oh look at me. I have a credit card.

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15
Know Your Enemy
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8:14p, 4/1/20
AG
They're likely going to send you a paper check which will take 2-3 weeks to arrive. Once you call them and ask them to refund you, that is.
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jkag89
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In reply to Fat Bib Fortuna • 8:14p, 4/1/20
MuckRaker96 said:
If only credit card companies had phone numbers.
Or web sites.
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WES2006AG
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8:21p, 4/1/20
AG
Had this happen with Discover a few years back. They offered to leave the balance and it can be spent or send a check.
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1
Unemployed
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In reply to saw em off • 8:47p, 4/1/20
AG
Dude, that's like free money. Go buy a PS4 or a new iPhone.
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m.stat
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8:56p, 4/1/20
AG
I work in the industry. Most will send a check but some will ACH back to your bank account. Either call the number in the back of your card or if your card offers a chat through your online portal try that. If calling you will deal with a longer wait time as most of the help desk is working from home now.
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NoahAg
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In reply to m.stat • 9:44p, 4/1/20
m.stat said:
I work in the industry. Most will send a check but some will ACH back to your bank account. Either call the number in the back of your card or if your card offers a chat through your online portal try that. If calling you will deal with a longer wait time as most of the help desk is working from home now.

You live in India?
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23
bmc13
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10:27p, 4/1/20
AG
I had a large one one time. I spend almost all of it down over a couple months and then they mailed me a check for the remaining balance of around $170 without me asking.
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Ag81Golf
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In reply to saw em off • 10:38p, 4/1/20
Banks aren't paying much interest. Have CC company send refund via check or ACH and buy stocks.
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Tatem
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6:36a, 4/2/20
I've had this before
They will send you a check
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OldArmyAggie94
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7:09a, 4/2/20
AG
Gotta call and talk to someone.....
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dallasiteinsa02
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11:03a, 4/2/20
Offer to let them hold the money on your account for the same interest rate they charge.
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11
62strat
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9:07p, 4/2/20
AG
Chase sent me a check, granted it was a card I had paid to $0 and closed, but then had a refund like 6 weeks later.
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steve1991
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10:49a, 4/3/20
AG
Had a large credit on Amex for a canceled trip. I called and requested that the credit be returned to me. They are supposed to send to my bank account within a couple days (via ACH).
Amex has a way to request this online but it it wasn't working for me so I just called.
This is on a card that I rarely use or else I would have left the credit to offset future charges.
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62strat
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11:07a, 4/3/20
AG
OP I dont know who your card is through, but I know chase has secure messaging once logged in that you can use instead of calling. I've used it to cancel cards, even change classes of cards, increase credit limit, move credit around between cards, etc.

Google your bank 'secure messaging'. It may not necessarily be easy to find, but it beats waiting on hold. Chase gets back within 24 hours typically.

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oldschool87
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9:22a, 4/4/20
AG
What's the number I can help you with your negative balance.
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