Loup321 wrote:I've read this thread, although it doesn't apply to me (don't have a Halifax card...).
Today, my American Express direct debit was taken. Just before the last statement my OH hired a van. It was paid for using the Amex card, and a £200 charge also applied to the card (to cover any damage my OH caused). After the statement date, the £200 charge was reversed (no damage was caused). Today, the direct debit for the full amount on the statement was taken, so my account is £53 in credit. It will be back in the red before the next statement is issued, so it's no problem for me.
So, this thread covers how American Express operate their Platinum Cashback Card (and probably many others). I wasn't aware, because I don't often have refunds or make interim payments. Thanks for drawing my attention to this!
That's interesting Lou. I just checked my August American Express statement - it says this just under the payments box at the top of page 1 (my emphasis). I wonder if they have different policies for different cards?:
The payment specified above will be debited from your bank on the direct debit date shown or shortly after. Please note, this
amount may be adjusted in response to payments or credits received up to four days before your Direct Debit Due date.