Overpaid my CC, how will this reflect on my credit report?

[wallywonka]

Overpaid both my CCs and my refresh / cycling date is tomrw. 

ONe is overpaid by 9 bucks and the other 18 dollars. 

When this reports to my credit, will my report simply show a ZERO balance or what?

[B335is]

Yes it will report $0 balance. Ive had negative balance on 2 of my Chase cards for a few months and they report $0

[HeilFico]

Zero balance. No ill effect. Just charge and kill the positive bal off or ask for a check.

[mongstradamus]

Hmm interesting I over pay my cc via bill pay usually to make sure card has no balance,when o have an few pendings when statement cuts. I hope there is no adverse effects to doing this.

[NoNonsense]

It will report a $0 but with an asterisk to warn other lenders that you ain't know math...

BTW, I am currently using the opposite technique "ALMOST PIF," before the Statement Cut.  I pay PIF but leave less than 50 cents unpaid, to assure the account produces a Statement AND yet still reports as ZERO.  I been flagged as "don't know math" either...

[irrational]

Overpaying your card will result in negative util, which will KILL your FICO score. 

[DaveSignal]

It will result in a credit balance with the lender. The CRAs do not report below $0 though. You can use the credit balance against your next months statement.

[Boragard]

I remember one time I overpaid my Capital One Credit Card by $0.48 and they mailed me a check the following week.  I don't know why they didn't just deposit it into my account.  I mean, it cost more to print the check and mail it!! 

[Anonymous]

In my many overpayments not once did it affect the FICO Score. Also, all creditors reported zero to the CRBs.