What do I do if I have a positive credit balance on my credit card? (2024)

A positive balance on your credit card, also called a credit balance, is an overpayment or refund on your card.

It's an amount that belongs to you, so it's the opposite of an amount you owe.

Here's what you can do:

Option 1: Leave the positive balance on your card

• Your next purchases will simply be deducted from the positive balance until your balance drops to $0.

You don't need to do anything. This is the easiest option we recommend.

Option 2: Withdraw the amount at a teller

• Go to a National Bank ABM and insert your credit card.
• Withdraw the positive balance in cash, or transfer it to your bank account if your credit card offers this option.

Option 3: Contact us to discuss other options available to you

• Write to us from your online bank.
• Call us at 1-888-622-2783.