>get a negative balance on credit card due to refund>credit score goes down
>>62818721at least you will avoid borrowing to invest (at loss) in [anything as of 2026]
>>62818721Shouldn't go down by that much. This happens because credit reports are for the banks' benefit, not yours. FICO penalizes you slightly (~12 points IIRC) for having 0 balance across all accounts because it means there isn't any borrowing activity, so from the banks' perspective that's similar to not having any loans whatsoever. Negative balance is reported as 0 balance to credit bureaus if it's still negative by the time your statement closes.Just put a $1 purchase on it a few days before your statement date. If you have multiple cards, just doing that on one of them is enough to keep your score from getting penalized.
amerimutts be laughing at choina while running a literal score system themselves
>>62818721Why are you a brokie?
>>62818721>caring about your goy score
At least you cum in some pussy today, right?
>>62819082oi look we got ourselves a fuckin professional goyim over here
>>62820688Haven't in 5 years, nigga.
