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Old 08-30-2020, 10:16 AM
 
Location: Honolulu/DMV Area/NYC
27,799 posts, read 14,775,912 times
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Ultimately a moot point if the OP doesn't have a Chase account.
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Old 08-30-2020, 11:43 AM
 
Location: SoCal
20,162 posts, read 11,478,420 times
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Where did OP said he doesnt have a Chase account? He said he has zero balance. Anyway, I closed one of the account at Citibank, a charge from one of the AirBnB was refunded,Amsterdam I believe, I told them to reactivate the credit card, and I was able to transfer that credit to Costco Citibank card.
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Old 08-30-2020, 11:52 AM
 
Location: North Dakota
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Thanks everyone!
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Old 08-31-2020, 09:31 AM
 
36,581 posts, read 56,141,412 times
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Quote:
Originally Posted by NDak15 View Post
Sorry if this seems like a stupid question, but I've never been in this position. I had a vacation booked with a tour company for 2020. The tour didn't run for obvious reasons and I was given the opportunity (and took it) to postpone to 2021. I have been debating canceling the trip and getting a refund as I worry about the company going under with continued travel restrictions. I don't currently have a balance on the credit card I used as I paid it off before all of the COVID issues got severe thinking I was going to go on the trip. I currently have a zero balance on my credit card. If I get a refund for the trip where would that money go? How does that work for a zero balance? Sorry if this seems like a stupid question but I've never been in this position before.
IF you can get the refund, a credit could be issued to the card that you just draw against
Or I guess you might be offered a check from the travel company
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Old 08-31-2020, 10:17 AM
 
3,940 posts, read 2,052,647 times
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Quote:
Originally Posted by loves2read View Post
IF you can get the refund, a credit could be issued to the card that you just draw against
Or I guess you might be offered a check from the travel company
The credit card bank will show a positive balance on the card statement. If you don’t purchase anything to use up the excess, then typically the bank will mail a check to you after 30 or 60 days to close out the overage. Beware that some CC banks are actually charging a cash-advance fee to settle the balance and return your money.
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Old 08-31-2020, 11:55 AM
 
Location: Sandy Eggo's North County
8,351 posts, read 4,385,494 times
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Quote:
Originally Posted by NewbieHere View Post
Interesting, I just closed 2 Chase credit cards which have been inactive for more than 90 days.
You might take a ding on your credit score by closing credit card accounts.

Closing those accounts, changes you "debt to credit" ratio.


So, in the future, you might want to think twice before you close credit card accts!
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Old 08-31-2020, 03:37 PM
 
Location: SoCal
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Quote:
Originally Posted by NORTY FLATZ View Post
You might take a ding on your credit score by closing credit card accounts.

Closing those accounts, changes you "debt to credit" ratio.


So, in the future, you might want to think twice before you close credit card accts!
I know that, I’ve closed tons of credit cards before and repeatedly since I retired 5 years ago. Also, I’m just done with refinancing too, I’m not worrying about my credit score. My state prohibits using credit score for insurance purpose. Thanks for the heads up though.
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Old 09-01-2020, 05:50 PM
 
10,538 posts, read 4,723,945 times
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Quote:
Originally Posted by prospectheightsresident View Post
Ultimately a moot point if the OP doesn't have a Chase account.
I think you mean "a moo point."


https://www.youtube.com/watch?v=8bo5...=youtu.be&t=28
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