I over paid $83.63 to my own Visa credit card and had a negative balance -83.63, when I transferred the money back to my checking, they charged me $10 "Cash Advance" fee!!! when I called them they said that is cash advance fee, when I explained it is my own money, they said: "you should have called us" This is the way they treat a customer of 15 years. Your system should bounce back negative balance automatically, but you want to steal money so you do not have this function