Stephen C asked:


I had a credit card statement of 1000. Within 4 days I get a refund of 200 during the grace period of 15 days. The payment date then follows 11 days later and the credit card company still try to take 1000 - so making my credit card a positive balance - which is not what I want! Can I insist on only paying 800? They then tell me that I will be charged to taking cash out of a positive balanced credit card. Can they do that?

What is stupid is that if I dispute 200 - they will only take 800. Some credit card companies do not do this - but if you stop the direct debit (especially on a charge card) and just pay the actual account balance - then there is no charge.

If I decide to pay my bill in 3 parts for example during the grace period so the total is paid then that is not a problem: as long as the whole amount is paid. Well that is effectively what is happening here - but one part is paid by the refund. How can this be justified?