Results 1 to 11 of 11

Thread: Credit card question

  1. #1
    Chillie in here j.o.s.h.1408's Avatar
    Join Date
    Dec 2005
    Location
    a place called home
    Posts
    8,543
    Thanks
    757
    Thanked
    256 times in 193 posts
    • j.o.s.h.1408's system
      • Motherboard:
      • ASUS P6T Delux
      • CPU:
      • Intel core i7 920 @ 3ghz
      • Memory:
      • 3GB DDR RAM
      • Storage:
      • 1TB Samsung F1, 500GB Seagate baracuda + 320gb Seagate PATA +150GB WD PATA
      • Graphics card(s):
      • EVGA 480GTX SC edition
      • PSU:
      • Seasonic M12 600W Module PSU FTW
      • Case:
      • Lian Li PC-A7010B (the rolls royce of pc cases)
      • Operating System:
      • vista ultimate edition and windows xp
      • Monitor(s):
      • 22inch 2005FPW dell monitor
      • Internet:
      • 24mb BE There Broadband

    Credit card question

    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?

  2. #2
    WEEEEEEEEEEEEE! MadduckUK's Avatar
    Join Date
    May 2006
    Location
    Lytham St. Annes
    Posts
    17,297
    Thanks
    653
    Thanked
    1,580 times in 1,006 posts
    • MadduckUK's system
      • Motherboard:
      • MSI B450M Mortar
      • CPU:
      • AMD Ryzen 5 3600
      • Memory:
      • 32GB 3200 DDR4
      • Storage:
      • 1x480GB SSD, 1x 2TB Hybrid, 1x 3TB Rust Spinner
      • Graphics card(s):
      • Radeon 5700XT
      • PSU:
      • Corsair TX750w
      • Case:
      • Phanteks Enthoo Evolv mATX
      • Operating System:
      • Windows 10 x64
      • Monitor(s):
      • Samsung SJ55W, DELL S2409W
      • Internet:
      • Plusnet 80

    Re: Credit card question

    Quote Originally Posted by j.o.s.h.1408 View Post
    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?
    your not fooling me - this is your maths homework!
    Quote Originally Posted by Ephesians
    Do not be drunk with wine, which will ruin you, but be filled with the Spirit
    Vodka

  3. Received thanks from:

    badass (09-07-2008)

  4. #3
    Senior Member joshwa's Avatar
    Join Date
    Jul 2003
    Location
    Sheffield, UK
    Posts
    4,842
    Thanks
    123
    Thanked
    67 times in 62 posts
    • joshwa's system
      • Motherboard:
      • PC Chips M577 AT/ATX
      • CPU:
      • AMD K6-2 500Mhz
      • Memory:
      • 128mb PC100 SDRAM
      • Storage:
      • 8GB Fujitsu
      • Graphics card(s):
      • 3dfx Voodoo 3 3000 AGP (16mb)
      • PSU:
      • ATX 500watt
      • Case:
      • Midi Tower AT
      • Operating System:
      • Windows 98 SE
      • Monitor(s):
      • 22" TFT Widescreen

    Re: Credit card question

    It normally stays on your credit card and you have to spend it to get rid of it

  5. Received thanks from:

    j.o.s.h.1408 (08-07-2008)

  6. #4
    Member Trash Man's Avatar
    Join Date
    Jul 2003
    Location
    Oxfordshire
    Posts
    3,771
    Thanks
    103
    Thanked
    46 times in 41 posts
    • Trash Man's system
      • Motherboard:
      • Asus P8Z77-V LE Z77
      • CPU:
      • i5 2550k
      • Memory:
      • 8GB 1600 DDR3
      • Storage:
      • 1 x 128GB Crucial SSD 1 x 1TB Seagate
      • Graphics card(s):
      • 1.5GB 580 GTX
      • PSU:
      • Be Quiet 680W E9
      • Case:
      • CM 830 Stacker
      • Operating System:
      • Windows 7
      • Monitor(s):
      • Dell 2407 x 2
      • Internet:
      • 20mb IDNet ADSL

    Re: Credit card question

    As Josh said, it stays on the card. You can transfer it over to your bank account though, you don't need to spend it. Had a similar thing when I paid off my CC a couple of years ago and worked it out wrongly and ended up with nearly £200 credit on my card. I just moved it over to my bank account.

    Living and dying laughing and crying
    Once you have seen it you will never be the same
    Life in the fast lane is just how it seems
    Hard and it is heavy dirty and mean

  7. Received thanks from:

    j.o.s.h.1408 (08-07-2008)

  8. #5
    Member
    Join Date
    Jul 2008
    Posts
    163
    Thanks
    15
    Thanked
    4 times in 4 posts
    • narz's system
      • Motherboard:
      • Gigabyte Z97x Gaming 7
      • CPU:
      • i7 4770K
      • Memory:
      • Corsair 16GB DDR3 1600Mhz
      • Storage:
      • 500GB SSD, 3TB HDD
      • Graphics card(s):
      • EVGA GTX 770 OC
      • PSU:
      • Corsair 650W Modular
      • Case:
      • Corsair 230T
      • Operating System:
      • Windows 8 x64
      • Monitor(s):
      • LG 1080p + Dell 1600/1200
      • Internet:
      • 70MB/20Mb Fibre

    Re: Credit card question

    Quote Originally Posted by MadduckUK View Post
    your not fooling me - this is your maths homework!
    hahaha...

    but as the others said, it stays on your card. I also have a HSBC credit card.

  9. #6
    Zzzzzzz sleepyhead's Avatar
    Join Date
    Nov 2007
    Posts
    2,514
    Thanks
    373
    Thanked
    292 times in 162 posts

    Re: Credit card question

    If you leave it on your credit card, do you acrrue interest on it (positively)? You know, does it work in reverse?

    A new, more effecient form of saving accounts then!

  10. #7
    Member
    Join Date
    Jul 2008
    Posts
    163
    Thanks
    15
    Thanked
    4 times in 4 posts
    • narz's system
      • Motherboard:
      • Gigabyte Z97x Gaming 7
      • CPU:
      • i7 4770K
      • Memory:
      • Corsair 16GB DDR3 1600Mhz
      • Storage:
      • 500GB SSD, 3TB HDD
      • Graphics card(s):
      • EVGA GTX 770 OC
      • PSU:
      • Corsair 650W Modular
      • Case:
      • Corsair 230T
      • Operating System:
      • Windows 8 x64
      • Monitor(s):
      • LG 1080p + Dell 1600/1200
      • Internet:
      • 70MB/20Mb Fibre

    Re: Credit card question

    Quote Originally Posted by sleepyhead View Post
    If you leave it on your credit card, do you acrrue interest on it (positively)? You know, does it work in reverse?

    A new, more effecient form of saving accounts then!
    Good point! .....and idea.

  11. #8
    WEEEEEEEEEEEEE! MadduckUK's Avatar
    Join Date
    May 2006
    Location
    Lytham St. Annes
    Posts
    17,297
    Thanks
    653
    Thanked
    1,580 times in 1,006 posts
    • MadduckUK's system
      • Motherboard:
      • MSI B450M Mortar
      • CPU:
      • AMD Ryzen 5 3600
      • Memory:
      • 32GB 3200 DDR4
      • Storage:
      • 1x480GB SSD, 1x 2TB Hybrid, 1x 3TB Rust Spinner
      • Graphics card(s):
      • Radeon 5700XT
      • PSU:
      • Corsair TX750w
      • Case:
      • Phanteks Enthoo Evolv mATX
      • Operating System:
      • Windows 10 x64
      • Monitor(s):
      • Samsung SJ55W, DELL S2409W
      • Internet:
      • Plusnet 80

    Re: Credit card question

    my egg thing did when i had it
    Quote Originally Posted by Ephesians
    Do not be drunk with wine, which will ruin you, but be filled with the Spirit
    Vodka

  12. #9
    Senior Member Stringent's Avatar
    Join Date
    Jul 2003
    Location
    Neverland
    Posts
    5,227
    Thanks
    45
    Thanked
    155 times in 117 posts
    • Stringent's system
      • Motherboard:
      • Intel DQ57TM
      • CPU:
      • Intel i5 760
      • Memory:
      • 8GB
      • Storage:
      • 1TB
      • Graphics card(s):
      • NVIDIA Geforce 260GTX
      • PSU:
      • Corsair HX620
      • Case:
      • Coolermaster Centurion
      • Operating System:
      • Microsoft Windows 7 Ultimate x64
      • Monitor(s):
      • Dual Iiyama 24"
      • Internet:
      • Patchy

    Re: Credit card question

    No interest is occurred, however you have two options, ring them and see if they will transfer it, or spend it.

  13. #10
    Senior Member
    Join Date
    Mar 2005
    Posts
    4,825
    Thanks
    161
    Thanked
    358 times in 288 posts
    • badass's system
      • Motherboard:
      • ASUS P8Z77-m pro
      • CPU:
      • Core i5 3570K
      • Memory:
      • 32GB
      • Storage:
      • 1TB Samsung 850 EVO, 2TB WD Green
      • Graphics card(s):
      • Radeon RX 580
      • PSU:
      • Corsair HX520W
      • Case:
      • Silverstone SG02-F
      • Operating System:
      • Windows 10 X64
      • Monitor(s):
      • Del U2311, LG226WTQ
      • Internet:
      • 80/20 FTTC

    Re: Credit card question

    Quote Originally Posted by MadduckUK View Post
    your not fooling me - this is your maths homework!
    made me laugh anyway
    "In a perfect world... spammers would get caught, go to jail, and share a cell with many men who have enlarged their penises, taken Viagra and are looking for a new relationship."

  14. #11
    Banhammer in peace PeterB kalniel's Avatar
    Join Date
    Aug 2005
    Posts
    30,748
    Thanks
    1,787
    Thanked
    3,285 times in 2,647 posts
    • kalniel's system
      • Motherboard:
      • Gigabyte Z390 Aorus Ultra
      • CPU:
      • Intel i9 9900k
      • Memory:
      • 32GB DDR4 3200 CL16
      • Storage:
      • 1TB Samsung 970Evo+ NVMe
      • Graphics card(s):
      • nVidia GTX 1060 6GB
      • PSU:
      • Seasonic 600W
      • Case:
      • Cooler Master HAF 912
      • Operating System:
      • Win 10 Pro x64
      • Monitor(s):
      • Dell S2721DGF
      • Internet:
      • rubbish

    Re: Credit card question

    Quote Originally Posted by sleepyhead View Post
    If you leave it on your credit card, do you acrrue interest on it (positively)? You know, does it work in reverse?

    A new, more effecient form of saving accounts then!
    As mentioned, the Egg money card does this, which is quite neat and good for people to get used to the idea that saving money vs being is debt is a good thing

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Similar Threads

  1. M & S Wine Offer - Six Bottles for Credit Card Application
    By omeganut in forum Retail Therapy and Bargains
    Replies: 3
    Last Post: 13-06-2008, 03:25 PM
  2. Graphics Card Question
    By bad boy in forum Help! Quick Relief From Tech Headaches
    Replies: 4
    Last Post: 22-09-2006, 11:10 AM
  3. Would you send your credit card details by e-mail?
    By Taz in forum General Discussion
    Replies: 26
    Last Post: 16-08-2006, 09:18 PM
  4. paying without a credit card
    By piggeh in forum SHOPPING AND CLASSIFIEDS
    Replies: 7
    Last Post: 15-12-2005, 08:28 PM
  5. Credit Card Scam Alert!
    By Allen in forum General Discussion
    Replies: 6
    Last Post: 23-01-2004, 08:51 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •