multiple payments on your credit card per month<\/a> (feel free to read that article) and get confused about which bill you did pay and which ones are still outstanding.<\/p>\n\n\n\nSo, if you enter that customizable amount incorrectly, perhaps by swapping a digit or adding an extra one, you can, in fact, pay a lot more than what you owe on your credit card bill<\/strong>. As a preventative measure, many card companies set a limit so that you can\u2019t pay more than the full balance for this reason, but not all of them do. Some of them will allow an overpayment. You can also do this with a physical check if you write the wrong amount. <\/strong><\/p>\n\n\n\nIt\u2019s\nso important to check and double-check before you either click the \u2018submit\u2019\nbutton or you enclose that physical check with your payment so you can avoid\noverpaying. <\/p>\n\n\n\n
– Additional payments you make on top of your automatic payments<\/strong><\/h3>\n\n\n\nYou might accidentally pay more on your credit card than you intended when you make one or multiple manual payments, while automatic payments are set in place. For just about every card under the sun, you\u2019ll have the possibility to set up auto-pay to pay your monthly bills. I love this feature because you don\u2019t have to stress every month when due dates come up for all your bills and you\u2019ll never be late and get that late fee or a report to the credit bureaus when you have this in place. The credit card company will simply automatically draw money from your checking account at the selected time.<\/p>\n\n\n\n
The problem you can encounter here is that if you decide to manually pay your balance before your statement and auto-pay is selected, that means you may wind up making an excess payment. <\/strong>For example, if you have auto-pay selected to happen on the 5th<\/sup> and you manually pay the bill on the 4th<\/sup>, the billing system might not catch this change in balance and will also draw the old balance from your bank account. <\/p>\n\n\n\nIt\u2019s\nbetter to overpay than be late though. When I had a new card a few years ago,\nI\u2019d set up auto-pay and was told that it would take 2 months of manual payments\nfirst before that went into place. I paid those 2 months manually and then for\nthe 3rd<\/sup> month, I noticed that it was the 5th<\/sup> and my payment\nhadn\u2019t been drawn. I called them up and they assured me it would come out at\nmidnight. When it didn\u2019t, I had to call back, but they rectified it immediately\nand didn\u2019t charge me a late fee or report it to the credit bureau. It was\nclearly their error, but one you definitely don\u2019t want the hassle of dealing\nwith. <\/p>\n\n\n\n– Receiving a refunds or credits<\/strong><\/h3>\n\n\n\nYet another possible reason for the overpayment on your credit card is a refund you received.<\/strong> Let\u2019s say you go out and buy a new coffeemaker on the 18th<\/sup> of the month. You make your coffee and all is glorious. When your credit card statement comes in at the end of the month, you make the payment. But soon after your payment is made, your brand new coffeemaker dies. You take it back to where you bought it from and ask to get a refund. Since you paid with your credit card, the store refunds the amount onto your credit card.<\/p>\n\n\n\nWhen\nsomething like this happens, it can result in an overpaid credit card despite\nyou having paid it right on time. This can happen in other ways too, like if\nyou have a travel rewards card, it might provide credits on your statement\ntoward airline fees. Certain credit card fees may also be refunded, like late\nfees, interest charges, or annual fees, when applicable. But most commonly,\nit happens when you return something to a store and this return is processed by\nthe card company after that particular billing period ended. <\/strong><\/p>\n\n\n\nThere\nare instances where cashback reward cards will automatically apply that cashback\non as a credit on your statement too. Others will require you to redeem that\ncashback for those credits. Regardless, if you have rewards that exceed the\nbalance during a particular period, you may find your statement on your credit\ncard appears as a negative number.<\/p>\n\n\n\n
Keep\nreading and I\u2019ll tell you what you can do about that!<\/p>\n\n\n\n
How\nto get your credit card balance back to $0<\/strong><\/h2>\n\n\n\nSo, what happens now that you’ve accidentally overpaid your credit card bill?
There are a few options you can partake in that will correct things. Namely:<\/p>\n\n\n\n
- Keep using the credit card<\/strong><\/li>
- Don’t do anything<\/strong><\/li>
- Get a refund<\/strong><\/li><\/ul>\n\n\n\n
I\u2019ll\nexplain each of these so follow me!<\/p>\n\n\n\n
– Keep using the credit card<\/strong><\/h3>\n\n\n\nIn matters when you overpay on your credit card, you\u2019re pre-paying any future expenses. If the sum of money in overages isn\u2019t too outlandish, you might just shrug it off and keep using the card to balance it out. Any purchases you make with that credit card are applied toward the negative balance and then when that balance is back to you owing money again, you just make your usual payments.<\/strong><\/p>\n\n\n\nThis\nis basically what my friend did when his wife accidentally overpaid on his\ncard. He just used the negative balance until it balanced out, and then ordered\nher not to help him anymore. <\/p>\n\n\n\n
This\nis the easiest option for you too if you use your card on the regular and that\noverpayment balance is small. So, if you typically put gas and groceries on\nyour card, just keep doing that and it will all work out. When there\u2019s no\nwritten request<\/em>, the rules give the lenders a lot of wiggle room in how\nthey return your money back to you. And honestly, if you were going to spend it\nanyway, you may as well enjoy a period of no monthly payments while you\u2019ve got\nthe credit going on here. <\/p>\n\n\n\nBut\nlet\u2019s look at what else you can do. <\/p>\n\n\n\n
– Don’t do anything<\/strong><\/h3>\n\n\n\nI really don\u2019t advise this one at all, but it is still an option. You could simply stay put and do nothing about that negative balance. By law, credit card companies must make a gesture of good faith to get you a refund of the negative balance after six months have passed without you using the card. Why don\u2019t I recommend this route? Simple. Because it takes 6 months to receive that refund and you can\u2019t even be certain you\u2019ll get that money back. It\u2019s not that the credit card company won\u2019t try, but what if you move or something else inhibits their ability to contact you? Chances are, you won\u2019t see that refund. <\/p>\n\n\n\n
Because\nall card issuers are a bit different, they have different methods in place. For\nexample, Wells Fargo customers can ask for a refund, but if they don\u2019t, it will\nautomatically put in a refund after 90 days if there has been no activity on\nthe card. For Chase, you can get that balance refunded if it\u2019s under $1 but you\nneed to make the action for that. In other words, you\u2019ve got to contact them to\nget your change back. <\/p>\n\n\n\n
–\nAsk for a refund<\/strong><\/h3>\n\n\n\nOops!\nYou sent that extra money to your card issuer. Even still, that money is yours.\nIt\u2019s not a common occurrence but it does happen. The good news is that most\ncredit card companies are fine with refunding you any overpaid amount by\nwriting you a check. You just have to give them a phone call or email them and\nask for a check that covers that overage. <\/p>\n\n\n\n
So,\nif your full balance due was $150 and you accidentally input $1,500, you\u2019d\ndefinitely want to get that back. If it was a smaller amount, I\u2019d say leave it\nand it will sort itself out as you spend on the card. It\u2019s really easy to get\nthat refund so go for it.<\/p>\n\n\n\n
Following\nbelow are more specific steps for getting your refund when you overpay on your\ncredit card so read on!<\/p>\n\n\n\n
How\nto get a refund after overpaying your credit card<\/strong><\/h2>\n\n\n\nFor\nthe most part, it\u2019s fairly the same to get a refund after overpaying your\ncredit card, though each credit card company has slight variations. The key\nsteps are the same so I\u2019ll walk you through it. It\u2019s basically like this\nthough:<\/p>\n\n\n\n
- Contact the credit card company<\/li>
- Request a refund<\/li>
- Make sure your contact information is up to date<\/li>
- Use a tracking number<\/li>
- Collect the refund<\/li><\/ul>\n\n\n\n
Now\nfor more details\u2026<\/p>\n\n\n\n
While\ncalling them can also get you your refund (depending on the card, which I\u2019ll\ntalk about shortly), for most cards, you\u2019ll have to write a letter to the\ncredit card company where you cite the overpayment. You need to be very\ndetailed with this letter so there are no delays in receiving your refund.\nInclude the payment information and the date. You should also request that you\nwould like refund mailed.<\/p>\n\n\n\n
I\nhighly advise that you drop this important letter yourself at the post office\nand get a tracking number on it. Return receipt is great because you will know\nthey received it. Once they have it, the credit card company must issue your\nrefund in 7 business days, though be aware that it may take a few more days for\nthat payment once they cut the check to get to your mailbox. <\/p>\n\n\n\n
According\nto the Office of the Comptroller of Currency, you can get that refund in a\ncheck, money order, cash, or directly deposited in your bank account. This\napplies to any line of credit or home equity too when you make an overpayment.\nI recommend you put this all in writing and track it because should any\nproblems arise, you have hard evidence of your request to back you up. <\/p>\n\n\n\n
If\nyou don\u2019t make a written request, the creditor must make what they call a\n\u2018good-faith effort\u2019 to return your money to you after 6 months. They will do so\nthrough the address and number you have listed, but if you haven\u2019t updated\nthose things, you may well lose that refund. They aren\u2019t required to track you\ndown if they can\u2019t find you at the last known address you\u2019ve held or your phone\nnumber. <\/p>\n\n\n\n
Even\nif you never make an overpayment, you should always understand the terms of the\ncontract you have with each of your creditors. There should be something in\nthere about how they handle overpayments for when the account is open and even\nif you close that account.<\/p>\n\n\n\n
But\nnot every credit card company will require a written request for a refund. Some\nwill allow you to call and ask. What do I recommend? If you can\u2019t find it on\ntheir website or in your contract, give them a call and ask whether you need to\nput it in writing. If they do require a written request, make sure you confirm\nthat they have your proper contact information and make sure that you get the\ncorrect address from them as to where you need to send it. It\u2019s usually not the\nsame address as where you send your payments. After you confirm this, get your\nletter out there and get ready for your refund!<\/p>\n\n\n\n
What\nlenders are required to do when you have a negative balance on your credit card<\/strong><\/h2>\n\n\n\nAre\nlenders required to do something when your balance is negative on your credit\ncard? It really all depends on how YOU go forward. Remember the Federal Reserve\nBoard has that Regulation Z where lenders must credit your overpayment to\nyour account, refund that overpayment balance within 7 days of being contacted,\nand attempt to reach out if you haven\u2019t contacted them<\/strong>.<\/p>\n\n\n\nSo\nbasically:<\/p>\n\n\n\n
- Credit your account<\/li>
- Issue your refund upon written request<\/li>
- Make a good-faith effort after 6 months<\/li><\/ul>\n\n\n\n
The\nfirst step is that the lender has to credit your overpayment. This usually\nhappens without you doing anything other than that overpayment you made in the\nfirst place. After that though, you\u2019ve got 2 ways of going about things<\/em>.\nYou can just go ahead and spend on that card as you would until you\u2019ve used up\nthe credit (ideal if the credit isn\u2019t a large sum) or you can put in a written\nrequest for a refund of that amount. Once the bank gets that written request,\nRegulation Z mandates that they must refund that overpayment within 7 business\ndays of receiving that request from you.<\/p>\n\n\n\nIf\nyou do nothing at all and don\u2019t spend on that card, the lender by law has to\nreach out in good faith to find you to refund that money. Why wait though? It\u2019s\nyour money! Again, I sincerely advise that you don\u2019t let money that is yours\nsit with someone else. You get nothing for it. It\u2019s not like you\u2019re earning\ninterest on that money. Go on and get that refund. You could put it to much\nbetter use. <\/p>\n\n\n\n
There\nis something really important to know here though. For most of these instances,\nit\u2019s a very simple and easy process. But employees at the credit card companies\nare specially trained to keep an eye on large overpayments. The reason?<\/p>\n\n\n\n
Interestingly,\na large overpayment might raise the red flags for the credit card company.\nMoney launderers will use this method of overpayments to launder money. If you\ndo it once, they might raise their eyebrows so keep an eye on how much you\u2019re\ninputting when you pay and you\u2019ll be fine. If this continues to happen though,\nthey may lock down your card and have the government investigate on grounds for\nfraud. Of course, accidents do happen so if you did accidentally overpay and\nyou did get flagged for potential fraud but come up clean, you will still have\nto claim that refund or wait 6 months without using the card. <\/p>\n\n\n\n
Overpaying\non your card isn\u2019t a bad thing (unless they think you\u2019re a money launderer of\ncourse) but it\u2019s not a good thing either. Here\u2019s why I recommend you pay more\nattention when filling in those numbers online and in your checkbook. <\/p>\n\n\n\n
Why\nyou should avoid overpaying your credit card<\/strong><\/h2>\n\n\n\nThere\nare a few reasons why you shouldn\u2019t overpay on your credit card and bring your\nbalance to a negative.<\/p>\n\n\n\n
- You\u2019re earning the card issuer interest<\/li>
- You can mess up your ability to pay your other bills<\/li>
- -It can trigger an alert for fraud<\/li><\/ul>\n\n\n\n
Let\u2019s\ntalk!<\/p>\n\n\n\n
Why\nwould you want to earn interest for someone else? You\u2019re letting a card company\nhold your money, so every dollar you paid over is tied up with them earning\nthem interest instead of you. You\u2019re better off earning your own interest on\nyour checking and savings accounts.<\/p>\n\n\n\n
And\nspeaking of tied up, when you overpay your credit card bill by accident, if you\nneed that money, you have no choice but to use that card to make your other\nbill payments instead of being free to pay on your auto-pay you set up. So,\nlet\u2019s say you accidentally overpaid by $1,350 like in the example I\u2019ve been\nusing throughout this whole thing. That could create a shortage for you in your\nbank account which means your auto-pay for your phone or your electricity can\u2019t\ngo through because you don\u2019t have the funds for it. Ouch!<\/p>\n\n\n\n
On\ntop of all that, there\u2019s the fraud thing. It\u2019s not very common to overpay on a\ncredit card. If you do it once, it\u2019s usually not a big deal. Especially in the\ncase of my friend where it was easy to see how the error was made. Also, his\nwife sent in the old payment slip with it and they realized it was a mistake. <\/p>\n\n\n\n
There\nare instances where you can call up the credit card company and prepay on your\ncard if you\u2019ve got a large purchase coming up that will exceed your credit\nlimit. In this case, you\u2019d be notifying them though and they wouldn\u2019t sound the\nalarms. But without a call and suddenly you make a very large overpayment, especially\nif it is a new card, that will get the alarm bells dinging. They\u2019ll suspect\nsomeone has accessed your account without permission and could shut down your\naccount temporarily while they investigate. They may even close your account\nfor good.<\/p>\n\n\n\n
So,\nwhat should you do if you accidentally typed in the wrong amount, which is well\nover what you owed and you get flagged for fraud? Breathe, and keep reading!<\/p>\n\n\n\n
How to Handle Your Credit Card Being Flagged for Potential Fraud <\/strong><\/h2>\n\n\n\nYou overpaid on your card and now you can\u2019t use it because they flagged you for possible fraud and locked it down. Instead of freaking out, pick up the phone and get on the line with customer support. Stay calm and explain what happened, how you accidentally made a mistake when filling in the payment. They will ask you questions to ensure it is legitimately you, so be prepared with your security questions and any other information that would prove your identity. Remember, it\u2019s their job to protect you from fraud too, and you\u2019d want them to grill someone pretending to be you, so be patient.<\/p>\n\n\n\n
Once\nyou\u2019ve confirmed what they need to know, they should be able to reactivate your\naccount. Even if they shut your account down completely, you should still call.\nThey may reopen the account, but if not, look for new cards instead. Overpaying\non your card shouldn\u2019t impact your credit plus you may be able to earn special\nsign-up bonuses. <\/p>\n\n\n\n
Overpaying\na credit card won\u2019t improve your credit score<\/strong><\/h2>\n\n\n\nIf\nyou think overpaying your credit card will boost your credit score, that\u2019s not\nhow it works at all. Please do not do this for the points I\u2019ve mentioned above,\nparticularly about fraud. If you want a larger limit, you should call and speak\nto customer service. Never take a card with a $1,000 limit and overpay so that\nyou have -$5,000 credit on there. <\/p>\n\n\n\n
Your\ncredit card agreement will likely mention something about overpayment and will\nmost certainly tell you that you cannot increase your credit limit by the\noverpayment amount. Some credit card companies won\u2019t accept any payment that\ncreates a credit balance. Again, this is all done to prevent fraud and keep you\nsafe. If you do overpay in error, you can get that money back but don\u2019t make a\nhabit of doing it.<\/p>\n\n\n\n
There\nis no way to obtain a credit balance by putting in a cash advance or using your\ncard in this way. You won\u2019t earn any interest either on this credit balance. <\/p>\n\n\n\n
So,\nif you\u2019re reading this and you accidentally overpaid, now you know what to do.\nYou\u2019re owed a refund if you\u2019d like to accept it. If you need that money for\nother bills, I advise that you contact your credit card company immediately to\nget that money back to you. If it\u2019s a small amount, you can leave it and spend\nit on your next purchases for gas or groceries.<\/p>\n\n\n\n
But\nwhat if you do all the right things and send a certified letter requesting a\nrefund and the credit card company won\u2019t issue your refund? While it\u2019s rare to\nbe refused when there is valid proof of the overage, you can contact the\nConsumer Financial Protection Bureau and file a complaint. <\/p>\n\n\n\n
Remember,\nthis excess payment you made doesn\u2019t give you a higher spending limit or more\nmoney to burn. The best way to handle it is to get the refund on large amounts\nor use it responsibly if you leave it on the card. <\/p>\n\n\n\n
Conclusion<\/strong><\/h3>\n\n\n\nA\nnegative balance on your card means you\u2019ve overpaid in some way. Perhaps you\u2019ve\naccidentally submitted a higher amount than required by your payment or you\u2019ve\nreturned something to a store at a certain time during the billing cycle that\nresulted in this negative balance, or credit, for you<\/em><\/strong>. <\/p>\n\n\n\nRegardless,\nif you do wind up with one, you should seek to get your money refunded to you.\nThere are laws covering you for this so call your credit card company and find\nout how to start the process for requesting a refund in writing. Keep records\nof everyone you speak to and send your written request certified in the event\nthat you need to show proof you requested your refund. <\/p>\n\n\n\n
You\ncan also leave that amount of overpayment alone in your account and spend it on\nthe next few things you\u2019d have used your card for. If it\u2019s a small amount and\nyou\u2019re going to be using your card for a purchase you already planned on, this\nwill work out fine. You can also do nothing and wait for the creditor to reach\nout, but it\u2019s your money so you need to make it work for you, not for someone\nelse. <\/p>\n\n\n\n
Don\u2019t\nmake a habit of overpaying. It\u2019s not good for your checking account when you\u2019ve\ngot other bills due, it doesn\u2019t give you a bigger credit line, and it doesn\u2019t\nboost your credit score. What it can do is flag you for fraud and cause major\nheadaches down the road so pay attention when you\u2019re making payments to avoid\nit. <\/p>\n","protected":false},"excerpt":{"rendered":"
A negative balance on your credit card means you\u2019ve overpaid in some way. Perhaps you\u2019ve accidentally submitted a higher amount than required by your payment or you\u2019ve returned something to a store at a certain time during the billing cycle that resulted in this negative balance, or credit, for you. <\/p>\n","protected":false},"author":1,"featured_media":72,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-69","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"\n
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