I requested a refund of my $59AF on my BBRZ MC. Not realizing it, I now have a -$59 balance on my BBRZ and it may be reported on all 3 credit reports. Generally, it always reports a $0 balance while one of my other credit cards has a reporting balance of <10%.
How does a negative balance (think: overpaid) impact a FICO score?
When you over pay a credit card balance due or recieve a credit/refund, thus creating a negative balance, reporting always shows ZERO.