<prompt> Human: Due to a refund of fees and interest charges, I now have a negative balance of about 1600. It is really tempting to just say free money! and go blow it, it would be smarter if o could use it to pay off some other balance. Does anyone have experience with this? I would like to use it to pay off a separate card, but it doesnt look like i can do a balance transfer.  <response>: Call them and request a check for the balance. 