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Sunk | 20:15 Fri 26th Feb 2021 | Business & Finance
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A couple of months ago I was paying for my shopping at the supermarket and I realised I had left my regular credit card in my shirt pocket at home. Fortunately I had my emergency credit card in my wallet and paid with that. When I got home I made a payment of the amount to set my balance back to £0.
I got my bank statement last month and noticed the payment to my credit card had gone out, and also a Direct Debit for £50 even though I didn’t owe anything. I immediately cancelled the Direct Debit. I didn’t want £50 sitting on my spare card, and I couldn’t see a way of moving back to my bank account. So I went to a machine and drew out my £50.
Just got a credit card statement, and I have been charged £3 for getting my own money out.

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Jackdaw33

The cash withdrawal took my balance to £0 so there shouldn’t be any interest on that. The £3 charge has taken me into debt so there will be interest on that. I have paid the £3 and will pay the few pence interest when I know what it is.
I'm sure they still do indirectly. They just factor the cost into their prices so the cash customer is paying over the odds.
OK thanks woof and NJ for correcting my out of date info.
There is always a charge for withdrawing cash on a credit card, even if there is a credit balance. Worth phoning your card company, though, they may choose to cancel the charge.
The best way to sort that would have been to contact your bank. They would have got the incorrect back as part of the DirectDebit guarantee.

https://www.directdebit.co.uk/DirectDebitExplained/pages/directdebitguarantee.aspx

I had a similar problem with my mortgage years ago. My back used my money to pay somone else's mortgage payment. I got all the money ey back with interest. Plus they cancelled the overdrawn charge.

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