If you pay more than your credit limit or the outstanding balance owing on your credit card account at any time (including any past due and overlimit amount), then the excess amount (i.e. overpayment) will result in a credit balance on your account.

Note: A credit balance does not increase your available credit or your credit limit.

For illustration purposes only: Your credit limit: $10,000 Balance owing on account that month: $9,000 Available credit remaining: $1,000 Payment received to account: $15,000 Balance owing after payment: $0 Your credit limit (no change): $10,000 New available credit after payment: $10,000 Credit balance (once $15,000 payment is posted): - $6,000