cancelled my credit card, will I still get paid my wages?

[ThatLilacHedgehog]

I left my job and am due one last payday, I cancelled my credit card due to a fraud risk AIBU in thinking I won’t get paid as my card is currently cancelled?

@Trusttheawesomeness

Is your self esteem really that poor that you think that’s an appropriate response to someone who has made a post asking for help with something?

Very clearly explained without the need for ridicule or snark.

No one knows anything until they learn it. OP now knows. All those being snarky should have a look at themselves.

Who is “we’ve all”?

You’re not sorry, but you should be because your attitude is the thing that’s “actually quite shocking”. Not everyone has had a bank account since 12, and regardless if you’ve never had this happen to you before then you’re not going to have the knowledge.

It’s a shame you’re not as well versed in manners and empathy as you are in banking. You’ve gone out of your way to make digs at this poster and it’s quite frankly shameful. Maybe, you’re just not as bright as you seem to think you are? I didn’t really think emotional intelligence was much of a skill until I come across people like you. Common sense indeed.

You’re clearly an adult and this person is obviously anxious and the way you keep on criticising this person is wholly unnecessary. If you can’t deliver help in a nice manner, don’t bother. Really, isn’t difficult.

That’s a brilliant analogy. I was going to go with a Netflix account. Your password has been changed but the account is still there.

Wages get paid to your bank ACCOUNT not your bank CARD. You only get payments via your card if you’re getting a refund.

Hopefully OP you're reassured by the sensible comments on here and as I'm assured your account is still open and it is just your card thats being replaced you don't need to worry. Hope the unnecessary snipey comments haven't put you off MN completely 🙈

This! Why is this not taught in schools?

Cancelling a debit card does not mean closing the account.
As long as you have the bank account that you used to get your wages paid to open, you will get paid. your debit card acts as a means to access your account, there are other means …

Of course you will. I lost my debit card and rang the bank to cancel it and get a new one....it happens to a lot of people everyday. Cancelling a card does not = cancelling your bank account.

I suppose because schools expect parents to do some parenting when it comes to teaching their children basic life skills?

The actual account stays the same and so any money going into it will be as normal.

So yes you’ll still get your wages :)

How is this basic life skills?

Banking is completely different to when we were kids and so even if your parents taught you, it likely wouldn’t be relevant today.

Schools could not teach this either.

You’re also overlooking the fact that many children are raised in homes where they’re not even taught to brush their teeth, let alone given any financial advice.

Something like this has nothing to do with being dumb or not being taught properly, it’s simply something that you’re unlikely to know unless you’ve had a reason to learn it.

OP ignore the snippy comments.

Some people are so miserable in their lives that they only come on the internet to try and make people feel bad about themselves.
Misery loves company.

Most of us are here on MN to help each other by giving and receiving advice, not to be bitchy.

In support of the OP, I work in payroll and loads of adults try to give their card details when setting them up for the bacs run. Many don’t understand what an account number is. Not unusual if you’ve never been told the difference.

Yes you'll still get paid. Usually payroll is done on the account number and sort code anyway as opposed to card.

However I will also add that even payments being refunded to a cancelled card will still usually go through it just may take longer and if you have problems to contact your bank.

I add this because I recently had to cancel a card whilst a refund was pending and was worried it wouldn't go through and when I searched online for info felt it was a struggle to get an answer so I hope this comes up for someone in the future!

Thank you - it’s the type of question my 18/21 year olds would ask and it may be that OP doesn’t have anyone close to ask.

I hope that if my DCs can’t ask me a question [or just want to try and sort something out without running to mummy] and direct their queries elsewhere, they aren’t made to feel stupid and foolish for asking. Developing the courage to ask for help is a crucial adult skill.

If peeops read the thread they wouldn't keep repeating the same advice either.🙄

Think about it like this. You have a bank account and money can be paid into that account by bank transfer, a cheque or cash payments in at a counter . So your wage presumably gets paid in by bank transfer and will sit in your bank account until you call on it or make a withdrawal.

When you want access to the money in your account, you have several choices of how you do that. You can do it in person at the bank with the appropriate ID, you can transfer it out or you can use your debit card and ask for cashback when shopping or maybe write a cheque out. These are just examples.

By cancelling your debit card and asking for a new one, you have temporarily removed a cash withdrawal method from your account, but it will be re-instated when the new card arrives. You haven't cancelled your account or anything, so payments will still go in and out, just not with the convenience of a debit card until the new one arrives.

it was the confusion when the OP said credit card instead of debit card. Now she said debit card, I understand. Its just a payment method - the account still exists.

It will still go into the related bank account. A new card would usually be delivered in 3-5 working days

and this is why schools should teach banking and life skills not algebra.

How old are you?! Anyway, like many others have said already, your salary will be paid, unless your actual account is frozen. If it's just the card, you're fine.