Card closed but merchant refund sent

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Card closed but merchant refund sent

Postby AnotherCreditUser » Tue Jul 29, 2014 5:59 pm

Card was closed and new account was created because old card was lost/stolen. No fraudulent charges. New card and account number is in mail, should be delivered within a week. Merchant sent refund to old card that is now "closed", will the refund process, and transfer to new account, or will it get kicked back? I spoke to the bank, they said that old card should no longer work. I assume that applies to charges, not payments, or does it also apply to payments/refunds. I asked the merchant to mail a check, but we will see what happens.

I assume that since the merchant already sent the refund to the old card, it will bounce back in 3-5 days, or instantly. Then the merchant could send to new card, or write check. Anyone else had similar experience, or will I have to wait a few weeks and let it deal with itself?

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Postby nismoZtuner » Wed Jul 30, 2014 2:17 am

With discover I had the same experience, I changed auto insurance provider so they issued a refund. BUT my card was replaced with another one because Discover believed that my account was compromised. So about 2 weeks after discover changed my account info progressive sent me a refund - my credit card number changed so I thought that was going to be an issue. Fortunately I didn't have any problems.. I had the amount credited to my account even after I was given a totally different number.

Only thing you can do is wait, if nothing happens well then have the merchant refund you the amount in cash. . (Fees?)
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