> If your bank would pay back your full credit card balance by accident, you would expect it to be able to get the money back, wouldn't you? If the bank paid o

> If your bank would pay back your full credit card balance by accident, you would expect it to be able to get the money back, wouldn't you? If the bank paid off my entire credit card balance instead of the < 1% payment I had scheduled, without an instruction from me, and without debiting my account because I don't have the funds to do that entire amount, I don't think I would care all that much. My CC issuer probably wouldn't be interested in returning the money if they had reason to believe I'd never pay them back in full as well. That just leaves the bank that cares. The bank that made the expensive mistake.