Cancellations and postponements are a common occurrence thanks to coronavirus. For those events where a refund was issued, you may see a negative balance on your paid off credit card statement. While you can use your refund by simply charging items to your card until the balance reaches zero, you can request your refund to be returned to you as cash. The Truth in Lending Act says card issuers have up to six months to make a “good faith effort” to give back your overpayment or negative balance. If you request a refund, they have to respond within seven business days. Technically, that timeline is for requests made in writing. But you probably don’t need to send a formal request to your credit card company. A simple phone call will likely do. Call the number on the back of your card and ask for your credit to be refunded. You may also be able to do this online through your card issuer’s secure messaging service. All you have to do is ask for a refund for your credit balance. Once your request is approved, it’s just a matter of keeping track of any documentation you receive confirming your refund and waiting for the mail to arrive.