My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''. 
