Nhi bhai.
Amount of Re-Payments in a Financial Year matters.
It is clearly stated in IT Act as well.
Anyone made excess payments over and above the Bill generated is counted as Repayment towards Credit Card dues i.e, advance Payment.
However you asked the bank to refund the exceess payment does not mean you did not made a Repayment.
Aise hi toh Bank Balance ka raaj khulega, kispe kita paisa hai jo adavance m pay karke refund le raha hai 😂.
Abb kisi ne advanace pay karke Refund liya toh Paisa toh kahi na kahi se aya hoga,😂 wohi janne ke liye notice aayega in worst situation