Ok so im goi g to transfer a high amount to my capital one credit card from amex.. amex (9900) ..the amount would ve around 5327.20 ..i owe only 125 on my capital one .. will capital one will refund the extra in a check to me... just want to make sure they will.. i dont want them to keep it there until i use it all... please hwlp any advise would really appreciated ... going to do it rwice i have two amex around that limit. But i would pay citi diamond preffered around 5326.. thats to pay off an auto loan.... and yes i can pay it all before the offer of 0% is over...