Hi i have a hsbc credit card and bought a couple of items for £80. returned one of them that was worth £40. got the £40 back from the place. hsbc took away £80 from my debit account to may that £80 which resulted into having that £40+ credit on it.
does that mean that if i buy something worth £40 on the credit card it will return back to zero or do i need to transfer that money to my main account?


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