# Outstanding credit

**URL:** <https://neofinancial.discourse.group/t/outstanding-credit/2568>\
**Category:** Community Support\
**Created:** [July 24, 2025, 10:34pm UTC](https://neofinancial.discourse.group/t/outstanding-credit/2568 "2025-07-24T22:34:24Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![TheBay](https://avatars.discourse-cdn.com/v4/letter/t/e56c9b/32.png) [@TheBay](https://neofinancial.discourse.group/u/TheBay)\
**Post date:** [July 24, 2025, 10:34pm UTC](https://neofinancial.discourse.group/t/outstanding-credit/2568/1 "2025-07-24T22:34:24Z")

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I have an outstanding credit on my account and since the Bay is closed I am not sure I can make use of the credit. Can I just get a cheque mailed to me?

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**Author:** ![Alex-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/alex-neo/32/574_2.png) [@Alex-Neo](https://neofinancial.discourse.group/u/Alex-Neo)\
**Post date:** [July 25, 2025, 4:16pm UTC](https://neofinancial.discourse.group/t/outstanding-credit/2568/2 "2025-07-25T16:16:27Z")

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Hi @TheBay. Thanks for reaching out and welcome to the community.

I just wanted to jump in to clarify a few things:

- The Hudson’s Bay Mastercard is not specific to Hudson’s Bay. You can still use it wherever Mastercard is accepted.

- Neo created a new plan to provide incentives for customers that have been affected by Hudson’s Bay’s closure. We have given customers the option to choose a rewards plan by July 5th.

- If customers haven’t picked a rewards plan by that date, they’ll automatically be enrolled in one that gives 0.5% cashback on every Mastercard purchase.

I’ll be sending you a message in DM to get some more info!