I have 9 redcards. One of the ways I recycle the money is by using bill pay to payoff BA credit card with a $0 balance, which means I will have a negative balance. Once the bill pay arrives, i request a refund check from BA CC and I use the refund to payoff the credit card used to load my redcard. Is it a bad idea to incur a negative CC balance and to ask for a refund? Does anyone know a better way of freeing up the REDCARD money besides for withdrawing to a bank account?