WF Chargeback procedure? Refund?

[Anonymous]

Typically, if you get a refund after the closing date, you have to PIF to avoid interest and then deal with the refund. If it's too much to have to wait until all of the credit is used up with new charges, request a check.

I've never tried to call a CSR to see if they'd credit the refund to your account, but I'd try anyway. The worst they can say is no. I've had that happen where I had to pay $500 and then deal with a credit balance. 

[Anonymous]

I just went ahead and gave them the statement balance. What was odd is that there as no tick box for the previous statement balance that i'm use to seeing and me it enter it manually. Also gave me warning that i'm overpaying and i'll have a credit balance.

A bit strange but overall best to do this to avoid interest. 

The credit balance wont last too long. In fact the current statement already eaten half of it. I figure by the end of the month most of it will be gone. 

[Anonymous]

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@Anonymous wrote:

I just went ahead and gave them the statement balance. What was odd is that there as no tick box for the previous statement balance that i'm use to seeing and me it enter it manually. Also gave me warning that i'm overpaying and i'll have a credit balance.

A bit strange but overall best to do this to avoid interest. 

The credit balance wont last too long. In fact the current statement already eaten half of it. I figure by the end of the month most of it will be gone. 

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If you use your cards a lot like me, that's what's going to happen. There will be charges in no time that erase the credit balance. The good news is your statement for next cycle will be a lot lower thanks to the credit.