Refunded too much money on my credit card, can I keep it?

5 Comments

credit card review

In a recent transaction where I was paying by credit card I was overcharged by the vendor. She realized it on the spot and refunded the money. However, when I reviewed my credit card statement I found that they’d issued two additional refunds to me which amount to several thousand dollars. This is all in excess of the amount the needed to refund to me. What am I supposed to do? What is my obligation? Can I just sit tight until the company figures out its mistake?

Does paying a credit card statement in two installments online hurt my credit rating?

5 Comments

online credit card

I have an online credit card account (at, let’s say Chase), and I have a $600 credit card statement, and I have three weeks to pay it off. If I pay $150 right away and $450 a week after the statement date, will they report a late $450 payment to the bureaus or will I be all paid off as long as I pay the statement balance before the grace period ends?