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> > Debits come in and credits go out.

> That is the complete opposite of common usage.

Nah, it's exactly the usage you are used to from statements you get.

> When I get a credit on my credit card statement, it means money is coming in to me.

When you get a credit card statement, it's a statement of the portion of your account in the card issuer’s books.

If you were keeping books for the card, they would be mirror images of the bank’s books.



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