<prompt> Human: Lets just say i bought a 1000 goods through my credit card. x200B;I pay the balance right after, making the balance to 0x200B;Then I get a refund for the product and get a 1000 dollar back to the account.x200B;Is there anyway i could transfer the credit back to the checking account?x200B;If not, do i have to use up the 1000 credit until it runs out?  <response>: You can either wait until its been in the negative for a little while and the bank sends you a check or you can call and ask them if they could send you a check. 