# Dual-stem single bank credit → credit-note sibling (IA)

**Thread:** `198988038b688d62`
**Lesson:** Callout MM4291-SPHIWE-15 overpaid; credit R2,099.10 onto Voltage Regulator MM4282-SPHIWE-47 via BB credit note referencing original BB pay.
**Do not:** invent cash refund or new stem.