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Credit Card Overpayment


If you overpay your credit card balance, the payment will result in a negative account balance. This means that the credit card company will owe you money. Mistakes can happen, and credit card overpayment can be a common thing nowadays.

If you have overpaid by accident, you can request a refund from your credit card provider. Federal law requires the provider to provide you with a refund of your overpayment amount.

Case study of an overpayment

Say you were to owe $165 on your credit card, and you mistakenly paid $265. If so your credit card company legally should refund you that $100, if you want them to. The overpayment will count towards future purchases on the card.

Depending on the size of your overpayment, it could take longer for the card company to verify before issuing your refund. However, it’s important that the company eventually does comply with regulations.

In Conclusion

If you overpay on your credit card it is not the end of the world. Upon your request, a credit card company must refund your overpayment. Just make sure you do so in a timely manner.

If you happen to have any problems requesting a refund from your card provider, contacting an experienced consumer protection attorney might be your next step. Lucky for you, Maginnis Howard’s consumer protection attorneys are experienced in handling credit card overpayment disputes.

If you have any questions about this blog post, feel free to contact Maginnis Howard’s consumer protection attorneys by phone (919) 526-0450), by email at or through our contact page.