topic Re: Negative Balance on CC in Credit Cards

Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:02:37 GMT

So who here has had a negative balance on a CC? It seems I must have had a little too much to drink last night and double payed my bill lol. It's my Cap One QS that I overpayed. Does anyone know if they can move that over to my Venture or do they only refund through check? It's not a big deal either way as I will just use the card in the future anyway so I'm just curious really.

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:04:03 GMT

@Anonymous wrote:
So who here has had a negative balance on a CC? It seems I must have had a little too much to drink last night and double payed my bill lol. It's my Cap One QS that I overpayed. Does anyone know if they can move that over to my Venture or do they only refund through check? It's not a big deal either way as I will just use the card in the future anyway so I'm just curious really.

I did a BT from wife's Venture to my Ring and it wound up with a negative balance. That didn't last long!

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:05:19 GMT

You can request a check. Or you can spend money that will bring it back to 0. If you dont do anything for a certain period of time then they will automatically cut a check for you. I would say just spend as you normally would, then you don't have to worry about paying the next round off.

Re: Negative Balance on CC

CreditMagic7 — Sat, 18 Apr 2015 19:06:13 GMT

Ya might want to go easy on the booze next time

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:07:51 GMT

@CreditMagic7 wrote:
Ya might want to go easy on the booze next time

My guess is that's what got him to apply for the Cap1 in the first place...

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:09:21 GMT

@CreditMagic7 wrote:
Ya might want to go easy on the booze next time

LOL lucky me it's only like $200 negative as I really don't use this card much. I was really just curious what their procedure is.

Thanks everyone for advice. I'll just use it normally and not worry about it

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:10:12 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
Ya might want to go easy on the booze next time
My guess is that's what got him to apply for the Cap1 in the first place...

Whoa whoa go easy there! This card is my baby! Got this card the day I turned 18 and they have always been good to me

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:12:50 GMT

@Anonymous wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
Ya might want to go easy on the booze next time
My guess is that's what got him to apply for the Cap1 in the first place...
Whoa whoa go easy there! This card is my baby! Got this card the day I turned 18 and they have always been good to me

Fair enough. I made some bad decisions on my 18th birthday too!

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:16:52 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
Ya might want to go easy on the booze next time
My guess is that's what got him to apply for the Cap1 in the first place...
Whoa whoa go easy there! This card is my baby! Got this card the day I turned 18 and they have always been good to me
Fair enough. I made some bad decisions on my 18th birthday too!

LOL you've got it out for me today I see! Well as you see I now have much more than Cap1! If it makes you feel any better this card I'm referring to in this post mostly lives in the SD.

Oh yeah but I forgot to mention I do use my Venture as my main card... That might be a problem for someone over here

Re: Negative Balance on CC

CreditMagic7 — Sat, 18 Apr 2015 19:19:35 GMT

That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:21:27 GMT

@CreditMagic7 wrote:
That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately

You had to go there didn't you! I better see a CLI by tomorrow or I'm calling EO and demanding they look at this thread and explain to me why I didn't get my CLI

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:23:01 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately
You had to go there didn't you! I better see a CLI by tomorrow or I'm calling EO and demanding they look at this thread and explain to me why I didn't get my CLI

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:27:48 GMT

@Anonymous wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately
You had to go there didn't you! I better see a CLI by tomorrow or I'm calling EO and demanding they look at this thread and explain to me why I didn't get my CLI

WOW ARE YOU STALKING ME??? How'd you get my picture!

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:28:28 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately
You had to go there didn't you! I better see a CLI by tomorrow or I'm calling EO and demanding they look at this thread and explain to me why I didn't get my CLI
WOW ARE YOU STALKING ME??? How'd you get my picture!

Spies.

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:31:38 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately
You had to go there didn't you! I better see a CLI by tomorrow or I'm calling EO and demanding they look at this thread and explain to me why I didn't get my CLI
WOW ARE YOU STALKING ME??? How'd you get my picture!
Spies.

Actually took that picture of Cap1 EO.

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:50:02 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
That negative balance might even trigger a new CLI. Who knows? Capital One has sure opened the CLI door a lot lately
You had to go there didn't you! I better see a CLI by tomorrow or I'm calling EO and demanding they look at this thread and explain to me why I didn't get my CLI
WOW ARE YOU STALKING ME??? How'd you get my picture!
Spies.
Actually took that picture of Cap1 EO.

That must be the lady I talked to on the phone

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:51:52 GMT

@Anonymous wrote:
So who here has had a negative balance on a CC? It seems I must have had a little too much to drink last night and double payed my bill lol. It's my Cap One QS that I overpayed. Does anyone know if they can move that over to my Venture or do they only refund through check? It's not a big deal either way as I will just use the card in the future anyway so I'm just curious really.

On the bolded bit: given how bad Cap One are over things like combining limits (i.e. they don't do it!) I would be very surprised if they could handle that.

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 19:53:53 GMT

@Anonymous wrote:
@Anonymous wrote:
So who here has had a negative balance on a CC? It seems I must have had a little too much to drink last night and double payed my bill lol. It's my Cap One QS that I overpayed. Does anyone know if they can move that over to my Venture or do they only refund through check? It's not a big deal either way as I will just use the card in the future anyway so I'm just curious really.
On the bolded bit: given how bad Cap One are over things like combining limits (i.e. they don't do it!) I would be very surprised if they could handle that.

Thanks for the reply! Where do I send the $500?

Re: Negative Balance on CC

Anonymous — Sat, 18 Apr 2015 21:26:26 GMT

I have a negative balance on both Wal-Mart and Amazon cards!

Re: Negative Balance on CC

bada_bing — Sat, 18 Apr 2015 22:07:38 GMT

If you make a habit of keeping a negative balance, you'll get "talked to".

There are banking regulations about holding money that credit cards do

not fall under and they wish to avoid. It sounds like a good concept from

a prudent accountholder's viewpoint - stash some cash on your credit

cards as a buffer against spending. The different card issuers take

different amounts of time to notice, but none of them tolerate it forever.