These solutions may work for someone but in our system a credit card reversal needs be listed with the credit card deposit at the end of the day.  Not turned into a check.  Our credit card system's total must match our Credit Card deposit total in Banking and it would be off by the negative amount if I don't have a credit card refunded in the system.  It seems like a simple thing but apparently is not.  Thank you!  Hope your solutions help someone else.