dan_m1les
Member
Registered: 8th May 06
Location: Burnham, Buckinghamshire
User status: Offline
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Morning 
Having changed my car so early into my insurance renewal, I got quite a large refund, of which when on the phone to Churchill I told them to pay it back into my Natwest current account which they confirmed the details.
They have however paid it into my Barclaycard credit card which has no balance so is now nearly £400 over paid.
It’s a card I use purely for emergencies and would rather the money was in my current account, is there anything I can do?
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spencer88
Member
Registered: 6th Oct 08
Location: cornwall
User status: Offline
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Use it to pay your regular bills, such as shopping, then the money you would have used for that is back in your account.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by spencer88
Use it to pay your regular bills, such as shopping, then the money you would have used for that is back in your account.
^^^ seems a fairly obvious solution?
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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Yeah thats what I would do.
You can transfer from Barclaycard to current account but thats a terrible idea.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by Jamie Walby
terrible idea.
What the Barclay card? 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Why is the barclaycard a terrible idea?
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Because cash is king
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spencer88
Member
Registered: 6th Oct 08
Location: cornwall
User status: Offline
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Barclaycard are shit though. I was a huge fan until they closed my account for no reason.
After hours on the phone, got told it was the way I was managing my account.
Funny, as normally I spent about £500 a month on the card paid most of it off, same next month. They get a bit of cash from interest but balance was never over a few hundred pound (after monthly payment).
Funny thing was, they had just massively increased my credit limit too 
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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quote:
Originally posted by Ojc
Because cash is king
Agree normally but sometimes you can make a credit card work for you.
I have one of those Santander 123 cards because I get cashback in the super markets and fuel. Clear it every month and get more in cash back than the annual fee.
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John
Member
Registered: 30th Jun 03
User status: Offline
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You also get looked at funny and questioned if you try to pay for anything over a tenner in cash now.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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I'm joking Walby, i have a Barclaycard use it for big purchases.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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50 notes is how I operate, the paki shop loves it.
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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dan_m1les
Member
Registered: 8th May 06
Location: Burnham, Buckinghamshire
User status: Offline
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But I don't really use the credit card is the problem, would rather it was in my normal account.
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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Use it then 
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dan_m1les
Member
Registered: 8th May 06
Location: Burnham, Buckinghamshire
User status: Offline
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quote:
Originally posted by Gary
Use it then
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SimonTW
Member
Registered: 28th Jan 12
User status: Offline
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Have the card company transfer it into your account.
I had a lloyds tsb card and got a refund of £60 for an item I had cleared off. Rang the bank and they transferred it into the account I made payments from.
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BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
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quote:
Originally posted by Ojc
50 notes is how I operate, the paki shop loves it.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by John
Why is the barclaycard a terrible idea?
You even have to ask that question?
They are re-nound for having some of the worst rates and T&C's in the market, probably only second to American Express.
Hence why they give a card to anyone!
I'll bet anyone here who has had a credit card their first card would have been a Barclaycard or an American Express Blue.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Same answer as always with these threads.
What if you've got a cashback or an interest free one? Is that still bad?
I've just taken out a Costco Amex one. I'll now get cashback on stuff I buy from Costco, which I wasn't before. So I'm better off.
I think what you mean to say is that if you are terrible at managing your money then a credit card might be a terrible idea. Not that the one specific Barclaycard you are thinking of with a high APR means that everything else is a bad idea.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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By all means play the game, but they aren't a charity.. They always win 
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John
Member
Registered: 30th Jun 03
User status: Offline
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They'll always win because of stupid people. The rest of us who understand how it works and (this doesn't include you) do admittedly not amazingly, but definitely better than nothing out of it.
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ed
Member
Registered: 10th Sep 03
User status: Offline
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I've not paid a penny of interest in the 3 or 4 years I've had credit cards. They've definitely won off of me.
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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quote:
Originally posted by ed
I've not paid a penny of interest in the 3 or 4 years I've had cashback credit cards despite having hundreds of pounds knocked off my bills every year. They've definitely won off of me.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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I have different cards for different things. Best is my clarity card, get paid £5 a month to use it and can withdraw cash out of foreign cash machines for free at best rates. Great all rounder
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