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Credit Card Positive Balance
#7892207
07/06/20 08:51 PM
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Joined: May 2007
Posts: 3,152
DoubleB20
OP
Veteran Tracker
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OP
Veteran Tracker
Joined: May 2007
Posts: 3,152 |
Hello THFers! So we have a situation. We had a cruise scheduled at the end of August for us and our five kids and their spouses, so six cabins. Wife used her Carnival Cruise credit card to pay and we paid off the balance back in April. The cruise line cancelled the cruise and offered either (1) reschedule with $600 on board credit for each cabin, or (2) get a full refund. Wife said, "what if they go bankrupt, we could lose our money and the credit?" OK, so get a refund - which is what we did. Now she has a ~$5K credit on her credit card and we're wondering if Carnival still goes bankrupt - what happens to our "credit balance"? The Carnival Card is through Barclays. Do you think it's safe to leave that credit balance or should we ask for a check? She loves to cruise, so we may try again next year but I don't know what to think. Could Carnival Cruise Lines go bankrupt? What would you do?
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892208
07/06/20 08:54 PM
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Joined: Nov 2009
Posts: 69,346
NORML as can be
^^Cut the Cord^^
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^^Cut the Cord^^
Joined: Nov 2009
Posts: 69,346 |
Cash out put it in savings.
(R-TX) .-- " TCNN CURL CRLB VFF VRNO AYR SNDL CGC TLRY MSOS "
_=====___=________==-
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892221
07/06/20 09:01 PM
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Joined: Feb 2009
Posts: 21,923
Mike W
THF Celebrity
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THF Celebrity
Joined: Feb 2009
Posts: 21,923 |
That is probably a branded card, meaning it's issued by a bank somewhere. It's probably on the back of the card and should be on your statement somewhere. Likely it's issued by Barclays, if it's a mastercard.
This cannot be fixed at the voting booth.. Wake Up You Morons!
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892223
07/06/20 09:01 PM
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Joined: Sep 2010
Posts: 7,133
SR025
THF Trophy Hunter
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THF Trophy Hunter
Joined: Sep 2010
Posts: 7,133 |
Have them send you a check or transfer
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892224
07/06/20 09:01 PM
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Joined: Jul 2006
Posts: 110,804
dogcatcher
THF Celebrity
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THF Celebrity
Joined: Jul 2006
Posts: 110,804 |
With the current status of travel, I would get my money and run, if they go bankrupt their cards may be part of it.
Combat Infantryman, the ultimate hunter where the prey shoots back. _____________"Illegitimus non carborundum est"_______________
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892227
07/06/20 09:04 PM
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Joined: Jan 2012
Posts: 29,177
TXHOGSLAYER
THF Celebrity
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THF Celebrity
Joined: Jan 2012
Posts: 29,177 |
Usually they will issue a check after 90 or 120 days if you do not use the card.
LETS GO BRANDON
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Re: Credit Card Positive Balance
[Re: dogcatcher]
#7892234
07/06/20 09:08 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
With the current status of travel, I would get my money and run, if they go bankrupt their cards may be part of it. This. You really can take it to the bank.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892240
07/06/20 09:10 PM
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Joined: Nov 2012
Posts: 15,700
QuitShootinYoungBucks
THF Celebrity
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THF Celebrity
Joined: Nov 2012
Posts: 15,700 |
As others said, by any means you can, get your money.
https://web.archive.org/web/20170223065011/http:/www.rrdvegas.com/silencer-cleaning.html
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892251
07/06/20 09:17 PM
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Joined: Dec 2011
Posts: 5,846
Lazyjack
THF Trophy Hunter
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THF Trophy Hunter
Joined: Dec 2011
Posts: 5,846 |
Cash draws on credit card usualy have a fee. Your credit card provider could answer that question.
You could use that card to pay bill or buy everyday items, like food, utilities etc. You just the discipline to save todays cash. In fact if you usage points or cash back, coild be postive cash flow.
I dont have a debit card. Charge everything and transfer funds lnline. Never carry a balance.
If the 2nd amendment was written just to include guns for hunting, why is there not an amendment to protect fishing poles?
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892260
07/06/20 09:25 PM
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Joined: May 2009
Posts: 24,418
dkershen
Rev Dave
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Rev Dave
Joined: May 2009
Posts: 24,418 |
Carnival doesn't own the card, Barcaly's does. It will be just like when Cabela's bought BassPro and they "end of lifed" the Cabela's cards. Worst case you'll get a new card issued, and it will have same balance (positive or negative).
To be sure of hitting the target, shoot first and call whatever you hit the target.www.NewHopeEquine.com - Health and Healing through Horses.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892280
07/06/20 09:40 PM
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Joined: Dec 2012
Posts: 1,774
Big_Ag
Pro Tracker
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Pro Tracker
Joined: Dec 2012
Posts: 1,774 |
My wife would take care of that balance in short order. I would not have time to figure out how to turn it into cash.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892284
07/06/20 09:43 PM
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Joined: Dec 2005
Posts: 35,552
Guy
THF Celebrity
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THF Celebrity
Joined: Dec 2005
Posts: 35,552 |
You credit is safe, it is with Barcaly's, not Carnival.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892302
07/06/20 09:56 PM
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Joined: Oct 2008
Posts: 15,233
Tbar
THF Celebrity
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THF Celebrity
Joined: Oct 2008
Posts: 15,233 |
Viking offered us 125% to reschedule within 2 years or a full refund. We went with the full refund and it took a few months.
Make America Great Again
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892306
07/06/20 10:03 PM
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Joined: Mar 2018
Posts: 1,158
Scott W
Pro Tracker
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Pro Tracker
Joined: Mar 2018
Posts: 1,158 |
We ran into this same thing with a Hawaii trip that got canceled. Citibank wired the positive balance to my checking account. I then moved that into a savings account at a credit union that has my truck note. Will use the money to rebook Hawaii once things fully reopen.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7892398
07/06/20 11:19 PM
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Joined: Apr 2012
Posts: 1,690
SherpaPhil
Pro Tracker
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Pro Tracker
Joined: Apr 2012
Posts: 1,690 |
It's a Barclays card. They aren't going to go bankrupt, so you don't need to worry about what happens to the cruise line. They should also give you a check or wire for free. Your call what to do, I would try to get some. Kind of return on the money, rather than let them hold it.
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Re: Credit Card Positive Balance
[Re: SherpaPhil]
#7892415
07/06/20 11:32 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
It's a Barclays card. They aren't going to go bankrupt, so you don't need to worry about what happens to the cruise line. They should also give you a check or wire for free. Your call what to do, I would try to get some. Kind of return on the money, rather than let them hold it. Well articulated.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7893059
07/07/20 04:45 PM
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Joined: Nov 2011
Posts: 16,898
S.A. hunter
THF Celebrity
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THF Celebrity
Joined: Nov 2011
Posts: 16,898 |
I had this happen with my Royal Caribbean cruise, and my RC BOA card. I was refunded my money to my card, and then had them transfer it to my savings. I never use that card, and I'm not gonna let anyone hold my money.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7893164
07/07/20 05:30 PM
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Joined: Sep 2008
Posts: 6,695
Cochise
THF Trophy Hunter
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THF Trophy Hunter
Joined: Sep 2008
Posts: 6,695 |
Most CC/Banks require it in writing when requesting they cut you a check for a balanced owed - some allow it through their online chat, some via e-mail, and some want an actual letter. Once you've made the request they have something like 10 business days to issue it. Otherwise - generally they'll issue a refund in the form of a check around the 90-120 day mark.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7893175
07/07/20 05:34 PM
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Joined: Jul 2015
Posts: 3,103
Always ready 2 hunt
Veteran Tracker
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Veteran Tracker
Joined: Jul 2015
Posts: 3,103 |
Show Me My Money...figure out how to request a check/wire transfer from them as others have said
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7893181
07/07/20 05:38 PM
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Joined: Aug 2004
Posts: 8,116
J.P. Greeson
the janitor
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the janitor
Joined: Aug 2004
Posts: 8,116 |
I had a $3750 credit on a card when we cancelled a trip in March. We just left the balance and used the card like normal till the positive balance was gone. Like others have said, you aren't in jeopardy of losing your money.
“Wildlife and its habitat cannot speak, so we must and we will.” – Theodore Roosevelt
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Re: Credit Card Positive Balance
[Re: Cochise]
#7893200
07/07/20 05:53 PM
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Joined: Nov 2011
Posts: 16,898
S.A. hunter
THF Celebrity
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THF Celebrity
Joined: Nov 2011
Posts: 16,898 |
Most CC/Banks require it in writing when requesting they cut you a check for a balanced owed - some allow it through their online chat, some via e-mail, and some want an actual letter. Once you've made the request they have something like 10 business days to issue it. Otherwise - generally they'll issue a refund in the form of a check around the 90-120 day mark. Yeah, I had to call. I bank with the same bank as the CC, so it was there in 4 days as a transfer.
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Re: Credit Card Positive Balance
[Re: DoubleB20]
#7893684
07/08/20 12:36 AM
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Joined: Aug 2012
Posts: 2,798
nak
Veteran Tracker
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Veteran Tracker
Joined: Aug 2012
Posts: 2,798 |
I'm waiting for the cruise refund to hit our card. I suspect Norwegian will run it all the way out to the 90 refund period., It's on a Chase card that gives 3% back on travel purchases...since its been almost 8 months since the charge was made. I wonder if Chase will catch it, and deduct the cash back points?
We all need to practice Whoa more.
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