The merit of making a request for refund of overpayment is to be able to regain the money paid too much to the financial industry. Even if I make a request for refund of overpayment, I think that it will not appear on the blacklist. The refund request for overpayment is only charging for overpaid money. It is not because I did not arrange the debt, so it does not appear on the blacklist. If you make a refund of overpayment, the total amount of repayment will decrease. It is an important right to properly exercise the right to exercise the right to exit and it is a person who can say that a person who has the right to demand refund of overpayment is a victim against an overpayment request, Since it is possible to say that you are a victim who was in excess of the statutory interest rate that you originally had overpaid claims, it is important to exercise your right that is confident.