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You're assuming that the request to not send a payment implies that it is an amount the issuer owes the consumer?

Sorry, it says it's a credit balance. From working for credit card issuers for 20+ years, I know that your theory is not correct, and that credit card issuers call a balance owed to the consumer a 'credit balance'. If you don't believe me, here from

There is a "credit balance" shown on my statement. What is a credit balance?
A credit balance on your billing statement is an amount that the card issuer owes you.

and from

What Is a Credit Balance?

A credit balance occurs when your account has a balance that is owed to you, rather than a balance you owe to the credit card company. This can occur when you return merchandise or pay more than you currently owe on your credit card.

Done with this topic.

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