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If none of that works and you still fail to hear back from the bank, both adam french and nicky kelvin note you can complain to the financial ombudsman service. Additionally, if a payment from a card is later refunded, we're required to send the funds back to the card. This can become a problem if you have since destroyed or discarded the card in question. If you try to withdraw money with your credit card, the card should rejected the transaction……. if it does not, the card is not cancelled…. the same.