Chip Lupo, Credit Card Writer
A credit balance refund on the PenFed Pathfinder® Rewards Visa Signature® Card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $700, but pays $1000, can get a credit balance refund of the $300 that they overpaid.
Cardholders can request a PenFed Pathfinder credit balance refund: by phone 1 (800) 247-5626 or by sending a written request to:
Pentagon Federal Credit Union
PO Box 456
They can get their refund in the form of a check or an ACH refund credit to the bank account from which the payment was originally taken. Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one.
Please note that you are not required to request a credit balance refund if you overpay your PenFed Pathfinder credit card. If you have a negative balance on your account, meaning you’ve paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, PenFed is required to offer you a refund.
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