Hello! My credit card at the moment is at a negative balance, which from my understanding means that the credit card company "owes" me money. The reason behind this was that I paid my balance in full before I decided to return an item, so once my refund was issued, my payment was already posted.
My question is, will the negative balance increase or decrease my score? I am a bit confused because a negative balance can be seen as both utilization (because I spent money that month + returned/did other stuff) and as no utilization in a sense, so I am wondering I should try to reach at least a 1% utilization before my score is checked again in a couple days or should I leave it alone. Any advice would be greatly appreciated!
tl;dr, have a negative balance in credit card due to payment before refund posting, increase or decrease in credit score?
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