Hi @kristinedcurtis
The surcharge you see on your bill would be from the previous bill before the October changes happened and your last card payment, any payments made post 1st October when the rules on card surcharges we put in place are already implemented so if you go to make payment with a card on your October bill you won't see a surchage on the next bill.
With the credit, I'll need to look into the account and check, so I'm going to send you a Private Message to look into this further.
Thanks, Chris