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Paid credit card bill twice by mistake

  • 08-04-2012 9:30pm
    #1
    Carsinian Thau
    Closed Accounts Posts: 2,054 ✭✭✭


    Had a bit of a dim moment a few minutes ago and paid my Ulster Bank credit card bill online despite having done so quite recently anyway.

    Is it possible to get the money back or does it just reside on the card in my favour until I buy enough to clear it?


Comments

  • #2
    jayo99
    Registered Users, Registered Users 2 Posts: 365 ✭✭jayo99


    the latter.


  • #3
    dev100
    Registered Users, Registered Users 2 Posts: 1,002 ✭✭✭dev100


    Take the money out thru an ATM or see if you can transfer the money online or just leave it there .


  • #4
    GerardKeating
    Registered Users, Registered Users 2 Posts: 7,806 ✭✭✭GerardKeating


    dev100 wrote: »
    Take the money out thru an ATM or see if you can transfer the money online or just leave it there .

    Then the OP will get hit with a cash advance fee, they will charge it, even if you in credit...


  • #5
    dev100
    Registered Users, Registered Users 2 Posts: 1,002 ✭✭✭dev100


    GerardKeating wrote: »
    Then the OP will get hit with a cash advance fee, they will charge it, even if you in credit...


    Really ??? Even if you are in credit? Nothing surprises me anymore


  • #6
    **Timbuk2**
    Moderators, Education Moderators, Motoring & Transport Moderators Posts: 7,396 Mod ✭✭✭✭**Timbuk2**


    dev100 wrote: »
    Really ??? Even if you are in credit? Nothing surprises me anymore

    I don't think you get a cash advance charge if the card is in credit, open to correction though!


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  • #7
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    i overpaid my aib card before by mistake. i called them up and they arranged for a refund / reversal. it did take a few days though.


  • #8
    GerardKeating
    Registered Users, Registered Users 2 Posts: 7,806 ✭✭✭GerardKeating


    dev100 wrote: »
    Really ??? Even if you are in credit? Nothing surprises me anymore

    In fairness to the Issuing Bank (whom ever gave the card to the OP), the transaction will have going out via the relevant card scheme, and they would have paid a fee...


  • #9
    Tails142
    Registered Users, Registered Users 2 Posts: 2,119 ✭✭✭Tails142


    Have a bank of ireland mastercard and I didn't get charged a cash advance fee when I withdrew cash from an atm with the card when I had it in credit.


  • #10
    Davy
    Registered Users, Registered Users 2 Posts: 19,340 CMod ✭✭✭✭Davy


    **Timbuk2** wrote: »
    I don't think you get a cash advance charge if the card is in credit, open to correction though!

    Some banks do, and some don't. Older cards by default usually don't, but newer ones more likely do have the charge. I think it was the AIB click that got the ball rolling


  • #11
    dearg lady
    Closed Accounts Posts: 2,091 ✭✭✭dearg lady


    Davy wrote: »
    Some banks do, and some don't. Older cards by default usually don't, but newer ones more likely do have the charge. I think it was the AIB click that got the ball rolling

    For real?! That's bloody cheeky, how can they justify it, when they're not advancing you cash if you have cash there! This stuff galls me!!!


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