Cancel a credit card (VISA) with negative balance?

[Mighty Molar]

Hello, just wonder if anyone has experiences with closing a VISA - or credit card - that has a negative balance? I round up my payment thus overpaid $1.70, and later closed my Banking & Credit Card at TD, completely switch to RBC

 

I heard a credit card cannot be closed with a possitive balance, but mine is negative.

[Legion]

Think of it as giving visa a tip for all the interests they charged you

[Outlaw]

I can't say for sure but I think they would just send out a check for the amount overpaid upon cancellation.

[KennethToronto]

Call the VISA# at the back of the card. Tell them you want to close the account. You will get the money back.

[Dr.Henderson]

I was actually coming to the forums to ask the exact same question... same credit card too

[Mighty Molar]

Just wonder if I need to pay the balance exactly to zero for cancellation to proceed, and I don't really mind if they keep $1.70 as tip

 

Think of it as giving visa a tip for all the interests they charged you

 

they never got a penny from me I aways paid in time

 

I can't say for sure but I think they would just send out a check for the amount overpaid upon cancellation.

Call the VISA# at the back of the card. Tell them you want to close the account. You will get the money back.

 

... would be awkward to receive a cheque for that little sum

 

I was actually coming to the forums to ask the exact same question... same credit card too

 

Same amount overpaid too? lol