Yea this appears to be the easiest way to do it, turn off autopay, let your account go into default for a day or two, they’ll use the credit, then if your bill

Yea this appears to be the easiest way to do it, turn off autopay, let your account go into default for a day or two, they’ll use the credit, then if your bill is higher than $50, just pay it off and turn autopay back on.