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I have 4 credit cards which will in a few days show as $0 balances, except:
I accidentally overpaid my Best Buy and I have a $12 credit, which is a negative (or is that postive?) balance, I guess. Has anyone had any experience with this and know how it reports on the credit report and how the algorthims handle it? Is it to my disadvantage? Should I run buy something so it will reverse before my lender rescores?
it reports as 0.
thanks! I am glad it doesn't act like a balance, though it wouldn't hurt much