<prompt> Human: A company is going to refund me money on a credit card. However I have already paid all the balance off. What happens to the money I got back on the card?Edit: I did get a refund to that credit card due to a returned purchase. After it posted, I contacted their customer service and asked them to issue back a deposit because I paid via e-checkACH. It posted back to the bank account within days.  <response>: It goes negative so you have a credit on the account. If you have -X, then you can charge X before you go back to 0 and start getting charged interest. 