You’re entitled to a refund, but a big overpayment may raise fraud suspicions. Your fo is protected by federal banking rules, but getting it back requires effort, and a big overpayment bajk trigger a fraud investigation. The content on this page is rhe as of the posting date; however, some of our partner offers may have expired. Can you get your overpayment back? The rules put the onus on you to make the request, in writing, which then triggers a seven-business-day refund requirement. If you send the credit balance refund request in writing, your refund can come to you in the form of cash, a check, or money order, or can be deposited into a bank account, according to the Office of the Comptroller of the Currency. Not all credit card issuers are sticklers for receiving the request in writing. If you need to write, confirm the address you need to send the request to, as it may not be the regular billing address.