State agencies must notify the Comptroller's office of any overpayment of compensation or debt to the state. When you overpay your credit card, that extra amount will usually be credited to your account, which will mean a negative balance.If you're bank treats it as overpayment, then they may add the extra amount to your credit card limit. The law basically states that an overpayment is treated as an advance that can be deducted from future paychecks. A person commits an offense if: (1) with intent to obtain a benefit fraudulently, he presents or uses a credit card or debit card with knowledge that: Promptly credit or refund overpayments and other amounts owed to your account if the amount you're owed is more than one dollar.