10+ Ways What Happens If I Overpay My Credit Card. There are several options that you can try to remedy the situation if you accidentally overpaid your credit card bill: If you overpay your credit card, perhaps as a result of an automatic payment and a manual payment overlapping, there's no need to worry. With so many things to keep track of. That means that the card company owes you money, rather than you.
That said, there are a. According to the issuer, “you can request a refund for an overpayment through your online account. When you overpay your credit card balance, you’ll end up with a negative balance on your account.
It does not affect your credit score.
Generally, your overpayment will appear as a credit in the form of a negative balance on your account. Overpaying has no more impact on your credit score than paying the full balance does. An overpayment on a credit card can trigger a fraud alert because credit card providers see large negative balances as a warning signal of refund fraud or money laundering.
There Are Several Options That You Can Try To Remedy The Situation If You Accidentally Overpaid Your Credit Card Bill:
When you overpay your credit card balance, you’ll end up with a negative balance on your account.