Overpaying a credit card

This happened to me once when I paid the balance online, but I mom sent a check for the same amount.

My room-mate says that it's bad to do that, but I really don't understand why; I mean, isn't it better to have some money over than being in the red? My credit is pretty good right now, so I don't think it affected it...

Jam it back in, in the dark.

Originally Posted by BlueMikey

The way to improve your credit is to borrow lots and never miss payments. Since there's a credit on the account now, there's nothing being borrowed, so your credit doesn't improve (it doesn't go down, at any rate, either).

Oh, that makes sense, thanks~

(When my roommate kinda-sorta explained it, she made it sound as if it were bad to leave a negative amount on your credit card.)

If it doesn't negatively affect you, I would just leave that amount there; that way, you have a bit more money than expected if an emergency happens.

There's nowhere I can't reach.