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Started By
Message
What happens if you pay on a credit card that has no balance?
Posted on 12/26/19 at 2:26 am
Posted on 12/26/19 at 2:26 am
I paid off a credit card, and haven’t used it in months because BBVA sucks. It has $0 balance.
I just realized I submitted like a $500 payment to that card two days ago instead of my other card that I actually need to pay off. So what happens to my $500?
I just realized I submitted like a $500 payment to that card two days ago instead of my other card that I actually need to pay off. So what happens to my $500?
12
Posted on 12/26/19 at 2:32 am to WaydownSouth
You'll likely have a $500 credit balance if they accept it. You can just put normal expenses on it until the $500 is gone.
Posted on 12/26/19 at 2:34 am to WaydownSouth
Perhaps calling them would solve that worry? I'm sure they would transfer that payment though to the other account.
Posted on 12/26/19 at 2:37 am to WaydownSouth
same thing that happens if you put instant coffee in a microwave oven. you go back in time.
Posted on 12/26/19 at 2:42 am to Kafka
You are an interesting fellow. What has you up so late Kafka?
Posted on 12/26/19 at 2:48 am to fr33manator
quote:Insomnia
What has you up so late
I'll try to sleep it off later
Posted on 12/26/19 at 3:04 am to WaydownSouth
Most cards let you pay up to 10% over your limit without issue. Anything over that is a crapshoot as to whether or not the'll allow the payment - this has something to do with preventing people from subverting their limits, or so I've been told. 
Posted on 12/26/19 at 3:11 am to WaydownSouth
they take your money and lol at you
Posted on 12/26/19 at 3:23 am to WaydownSouth
If you still don't use the card for a very long time, they will send you a check to zero out the balance.
Leave it and see if it'll play games with your credit score.
Leave it and see if it'll play games with your credit score.
Posted on 12/26/19 at 3:26 am to lsu xman
And come back and tell us if it works
Posted on 12/26/19 at 8:33 am to WaydownSouth
You get 29.999% interest credited ???? Whoa
Posted on 12/26/19 at 8:36 am to WaydownSouth
I’ve done that before and they’ve sent a check to me for the same amount.
Posted on 12/26/19 at 8:55 am to WaydownSouth
quote:
I just realized I submitted like a $500 payment to that card two days ago instead of my other card that I actually need to pay off.
Carrying a balance of more than $350 is trashy af
Posted on 12/26/19 at 8:58 am to WaydownSouth
To consolidate what has already been posted based on my experience years ago: they will leave it as a positive balance for a few months, letting you charge against it if you'd like. If you still have a balance after said few months, they will mail you a check.
Posted on 12/26/19 at 9:09 am to WaydownSouth
They’ll either credit the account or reject the payment and refund you.
Posted on 12/26/19 at 9:19 am to WaydownSouth
You'll have a negative balance. Think of it as forward paying.
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