The default is set to refund the card once a credit card payment is adjusted down. This links directly to BBIS, so gift entry staff adjust the amount down in order to apply it to a different constituent and save, without realizing the box had changed from grayed out/not accessible to checked on to refund the card for the adjustment amount. The only way to reverse this error is to go back to the donor and ask for the CC again and recharge for the difference. We get requests to split the hard credits for our grad married to grad relationships, so they must be entered as two separate transactions on each of their records.