kcm7 wrote:Thanks everyone! Turns out the answer to my question is a simple "No." For Barclaycard at least. The system will simply not allow me to pay more than I currently owe.
There are two ways to make a payment via ACH. The recipient of the money (barclay) can either pull it, or it can be pushed to them. The payment on their website is a pull, and it's standard to have restrictions like 'can't pay too much' on pulls. A push payment, where you originate it at your bank's bill pay (or by sending them a check, or making a payment in person, etc) isn't typically subject to those restrictions. You can overpay that way, and no lender I've ever dealt with refuses the payment. (Some are said to cut you a check if the balance is too high in your favor.) I accidentally paid my discover card twice last month, so I have a negative balance with them. (and will, given my rate of usage of the card.)