Credits to your account which arise from returning a purchase made on your card are not classed as payments. In order to retain an interest free facility you will need to make a payment for the full closing balance listed on your statement each month by the due date – even if you have returned goods after the statement date. Doing this will put your account into credit for the amount of the returned purchase. Credit balances can be refunded, or you can simply leave it on your card to pay toward your next purchase.
