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Duplicated Credit Card Payment.

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  • 17-06-2019 12:32pm
    #1
    Qrt
    Registered Users Posts: 1,638 ✭✭✭


    Hi,

    My credit card bill was due on Saturday 15th of June, but I kinda panicked and paid it myself in advance on Friday 14th of June. It's usually paid by direct debit, but since this fell on a Saturday, I was unsure and paid it ahead of time. Usually, if I pay in advance, only the remainder (if any) is paid via D/D, but this time it's taken the full bill again. Do I call straight away or wait for all the payments to finish first? They're both still in the "in progress" section of BOI 365.


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    #2
    Bank of Ireland: Lorna
    Closed Accounts Posts: 423 ✭✭Bank of Ireland: Lorna


    Hi QRT,

    Thanks for getting in touch.

    In this case it may be best to contact our Card Services Team directly on 0818251251 and they can advise you in the best process for this situation.

    Thanks,

    Lorna


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    #3
    Qrt
    Registered Users Posts: 1,638 ✭✭✭Qrt


    Bank of Ireland: Lorna wrote: »
    Hi QRT,

    Thanks for getting in touch.

    In this case it may be best to contact our Card Services Team directly on 0818251251 and they can advise you in the best process for this situation.

    Thanks,

    Lorna

    Hi,

    Thanks for the reply. Is there a standard landline number I can ring? I often have difficulty calling such phone numbers.

    Thanks


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    #4
    goldenhoarde
    Registered Users Posts: 859 ✭✭✭goldenhoarde


    Your payment and the DD payment will both be collected if there are funds


    The DD will have been sent in for collection prior to the payment as per SEPA rules you made so the extra payment will not cancel that.

    If you paid off in full and are in credit then you can withdraw the cash above your limit


    Happened me this month, made a payment on the 31st and min payment was still collected on the 5th june


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    #5
    Qrt
    Registered Users Posts: 1,638 ✭✭✭Qrt


    goldenhoarde wrote: »
    Your payment and the DD payment will both be collected if there are funds


    The DD will have been sent in for collection prior to the payment as per SEPA rules you made so the extra payment will not cancel that.

    If you paid off in full and are in credit then you can withdraw the cash above your limit


    Happened me this month, made a payment on the 31st and min payment was still collected on the 5th june

    Did you ever ask for a refund? Would withdrawing the cash still not affect your credit rating?


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