I decided to pay the full balance of my credit card a few days ago. Sadly, I clearly paid it on the same day that my automated direct debit payment was due. I have therefore paid the balance off twice and so I am in credit to the tune of nearly £160. I assumed, since it is not possible to pay more than the current balance manually (I know because I tried it a few weeks ago), that "the system" would automatically refund me the credit balance which was clearly made in error. I have not received any message to this effect and the credit balance is still there. I looked at the option of transferring the balance to myself anyway but there would appear to be a charge for doing this which obviously I would not be happy about. Should I ring the customer helpline for advice?