blackfly Posted December 14, 2021 #1 Share Posted December 14, 2021 Have a final payment coming due in a couple weeks. If I use a credit card and the cruise is cancelled the refund will take the form of a large credit on my card which is not ideal. If I use PayPal any refund will be directed back to my PayPal account and from there I can transfer the funds back into my bank account. I am however, a bit hesitant to move a large amount of money from my bank account to PayPal in order to cover the payment. Anyone have any experience using PayPay in the way? Link to comment Share on other sites More sharing options...
patty1955 Posted December 14, 2021 #2 Share Posted December 14, 2021 3 hours ago, blackfly said: Have a final payment coming due in a couple weeks. If I use a credit card and the cruise is cancelled the refund will take the form of a large credit on my card which is not ideal. If I use PayPal any refund will be directed back to my PayPal account and from there I can transfer the funds back into my bank account. I am however, a bit hesitant to move a large amount of money from my bank account to PayPal in order to cover the payment. Anyone have any experience using PayPay in the way? I can't speak to the PayPal question, but you can request a refund of a credit card credit. I've done it a number of times. 2 Link to comment Share on other sites More sharing options...
Rare Turtles06 Posted December 14, 2021 #3 Share Posted December 14, 2021 Commenting only on my personal experience with PayPal, unless there’s been a major change, their customer service is horrific if something goes awry. I would never entrust “a large amount of money” to them. YMMV. 1 Link to comment Share on other sites More sharing options...
blackfly Posted December 14, 2021 Author #4 Share Posted December 14, 2021 Patty - That I did not know. I will double check with my credit card company to make sure they will do a credit transfer to my bank account if the need arises. Thanks again for the heads up. Link to comment Share on other sites More sharing options...
Rare PTC DAWG Posted December 14, 2021 #5 Share Posted December 14, 2021 3 hours ago, patty1955 said: I can't speak to the PayPal question, but you can request a refund of a credit card credit. I've done it a number of times. This^^^^ Link to comment Share on other sites More sharing options...
Dancing Shoes Posted December 14, 2021 #6 Share Posted December 14, 2021 I would call my credit card company. I have only used Pay Pal for purchases. Link to comment Share on other sites More sharing options...
CHEZMARYLOU Posted December 15, 2021 #7 Share Posted December 15, 2021 We've always been able to request a refund of a credit balance on a credit card as a deposit to our bank account (we use auto pay on all our cards), or a check if you don't have a bank account on file with the CC company. If the credit balance is small we just charge something to use up the credit. Link to comment Share on other sites More sharing options...
LGW59 Posted December 15, 2021 #8 Share Posted December 15, 2021 4 minutes ago, CHEZMARYLOU said: We've always been able to request a refund of a credit balance on a credit card as a deposit to our bank account (we use auto pay on all our cards), or a check if you don't have a bank account on file with the CC company. If the credit balance is small we just charge something to use up the credit. Or use a debit card, cash out, cash in, no middle stuff Link to comment Share on other sites More sharing options...
TeaBag Posted December 15, 2021 #9 Share Posted December 15, 2021 When our cruises cancelled at the beginning of the pandemic,we got credits back to our Amex in several pieces, tax was one of them. Link to comment Share on other sites More sharing options...
Rare Jim_Iain Posted December 15, 2021 #10 Share Posted December 15, 2021 Link to comment Share on other sites More sharing options...
NCHPcruiser Posted December 15, 2021 #11 Share Posted December 15, 2021 It’s fairly simple to get a check from the credit card company. They once automatically sent us one when after several months we had still not used all the credit. Link to comment Share on other sites More sharing options...
CHEZMARYLOU Posted December 15, 2021 #12 Share Posted December 15, 2021 19 minutes ago, LGW59 said: Or use a debit card, cash out, cash in, no middle stuff I never use my debit card unless it is at an ATM at the bank. Too risky anymore. I feel better protected using a credit card. Link to comment Share on other sites More sharing options...
Denny01 Posted December 15, 2021 #13 Share Posted December 15, 2021 6 hours ago, patty1955 said: I can't speak to the PayPal question, but you can request a refund of a credit card credit. I've done it a number of times. Did this last year when VIking reimbursed me a goodly amount on my AmEx. Had the company refund it to my bank account. Check on your specific chargecard to see if they do this. Den Link to comment Share on other sites More sharing options...
paulh84 Posted December 15, 2021 #14 Share Posted December 15, 2021 US credit card companies are required to refund you your credit balance within 7 business days after receiving a written request for the payment. No reputable bank is even going to make you do that. You can call or chat with them and they will send you the money. Link to comment Share on other sites More sharing options...
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