credit card refund question

[steveo3002]

say i bought something for £2000 , turns out to be faulty and offered a full refund but ive already paid the bill with cash , will i be left with £2000 avail to spend on the card with no way to get it back to cash or in my bank account?

[steveo3002]

credit card refund , will my credit card hold onto that £2000 so im + £2000 in the green , no way to turn it back into cash for free?

[steveo3002]

UpTheIron said:

I think situation for the OP is as follows:

- irregular credit card user (i.e. £2k isn't an every day / every month spend on this card)
- OP has purchased an item for £2k, paid for on the card
- OP has paid the credit card bill in full
- item has since developed a fault and has been returned to supplier, who have agreed to refund
- refund has been (will be?) made to the credit card

This leaves the OP with a credit balance of £2k on his credit card, that he would ideally like back in his bank account where it came from in the first place. Obviously this cannot be withdrawn as "cash" from the credit card as it will attract all sorts of fees.

OP, I would speak to your credit card company and explain the situation, see what they say. Failing that, be prepared to use your credit card for all day to day expenses for a while.

yes thats it ...so kinda stuck on the card , and i will have spend it in odds n sods where i might have used cash /other