Is it just me being paranoid?  In order to avoid service charges on my 
credit card, it has been my practice to maintain a constant positive 
balance on the card.  Enough that I wouldn't, though my own 
forgetfulness, incur a service charge because some amount I charged hit 
just at the due date and I forget to put money in.  So now I see a debit 
on my account marked REFUND AS R.

I phone the bank.  I'm informed that it means REFUND AS REQUESTED.  Who 
requested?  Not me for sure.  The bank's system requested it, and, I am 
told, sent me the check.  And now I owe $9.50 on the account.  I am told 
that the back is required to refund a long-standing credit on the account.

'You mean I can't keep a positive balance on my credit card so as to 
avoid a service charge?'

'Let me ask my supervisor'

:elevator music:

'Mr Charter my supervisor says the system is set up to refund any long 
standing credit.  She advises that if you want to keep a credit on the 
account that it be no more than about $50.'

Unbelievable.  So I am forced so play a sort of Russian roulette trying 
to keep the balance equal to my charges and I am allowed a $50 buffer to 
work with.  I dunno.  I feel conspired against.

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