But no: When your account is credited, that means you gain money. That's the definition of "credit." So yes, you are creating credits for the credit card comp

But no: When your account is credited, that means you gain money. That's the definition of "credit." So yes, you are creating credits for the credit card company, against you. What you are gaining is debt/liability. Which why it's weird for it to be "your" credit card. If I have a Chuck E. Cheese game token card, that doesn't mean I owe Chuck E. Cheese tokens.