Hello!

Sorry if this will be a noob question.
I recently opened two secured credit cards with SBC and BDO. I already have my SBC and has been using it ever since and paying all of my used credits at once. Now, I made a purchase and have it as installment for 6 mos. (I just wanna try how it works, and its 0% interest naman so why not).
But, the entire amount was deducted in my limit, so I paid for that purchase at once.
and whenever my limit will go down by 30k, I would "replenish" it by paying again.

So, I have my first SOA now, and it shows negative amount due, I called SBC CS and they told me I actually overpaid, and once my current limit goes 0, my overpayment will be posted. The thing is, I tried to purchase online to get my limit close to 0, but my purchase didn't push through.
When can I expect these overpayment be posted? after my billing cycle?

I enjoyed using CC now mostly because of points/rewards.
SBC SCC should be just my "back up" CC that is why I just have a low hold out amount there.
BDO is my main bank, and I put a bigger amount there for my SCC but status is still in progress.

I wanna know if someone here experienced the same scenario and could shed light on me.
Di ko tuloy magamit yung CC. seyeng earning pointssss.