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canflyer
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100-000miler

ever overpaid your CC?

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Well I paid by mistake my PC MC twice. It was my fault done in a nonosecond. Total oversight, but to get a refund is taking forever, like at least 10 buz days.

Any ideas on how to speed this up? I paid on line with my RBC account to PC MC. The delay is costing me interest surcharges on my LOC!. YUCK.

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I have done this on several occassions when having to buy a ticket to Sydney, Australia in 2006. Only way i could fix the overpayment is to use up the overcredit quick on another transaction.

Sanosuke!

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I did the same recently for a $10K bill paid twice to DC MC. I called them and they asked for a copy of my bank statment showing the double payment and reversed the second one immediately. It still took about 6 days from start to finish before the money was actually back in my bank account. They needed to see that both payments cleared before they acted.

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Do you have any of those cash advance cheques linked to the credit card?

Perhaps you could just write yourself a cheque for the overpayment amount. Although I wouldn't be surprised if the CC company finds ways of screwing you by doing this, so tread carefully.

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Did that years ago.My limit was 10K and I bought and paid for a car on my CC.

Put money down in advance,put amount on card to get the points.

Dealership now has a sign posted allowing a max number of dollars on a purchase using CC :lol:

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acysb87, that sign is there for a good reason... merchant fees, unless you agree to pay those merchant fees.. the dealer might not like you putting it all on your card due to anti-fraud measures. :P

Sanosuke!

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Most dealerships will only take $5K on CC. If they allow more than that, then you've probably overpaid. :D

Depends on price paid for the car. A $75K car will attract a larger CC payment than a $25K car.

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