Refunding to credit card

[Amilcar]

I have a direct debit arrangement which clears my credit card monthly so that my balance is always zero.. A supplier who has been unable to fulfil an order for me is going to credit my card with quite a large refund. My query is: how do I get the resultant credit balance on my card transferred to my bank account, please? (The CC is a Mastercard with RBS while my bank accounts are all Natwest.). TNX

[anniebird]

Your supplier must refund the money to the card account as it is to prevent fraud. Someone may use a stolen card to buy something and then return it and ask for the refund in cash leaving the card owner with a charge they do not want and when that is reversed the supplier will end up with a refund for which they no longer have the original payment. When the refund appears on your card statement the card company will then balance it against your normal spending so that the direct debit will be reduced or not taken. If the refund is large enough to mean that it would cover several months normal spend you can ask your card company to transfer the balance to your bank account.

[Amilcar]

Thank you for the response. As I never have an outstanding debit balance on the card, I'll contact them to transfer the funds asap. Haven't had this situation before and, as the payments normally take care of themselves with direct debit arrangement, have had no previous contact with the card company. I take you point about the security aspects. Cheers.

[Skyline D]

You can ask them, but I doubt they are under any obligation to actually do so as long as you are alive and well.