When you upload a credit card statement, refunds and credits are pulled into a separate "Credits to Review" section — they're never added as new expenses. A credit is money the merchant put back on your card (a refund, return, chargeback, or billing correction), and ExpenseBot detects these automatically.
For each genuine merchant refund (e.g. "DELTA AIR LINES refund $312") you have two choices: match it against the original expense in your sheet to zero it out, or dismiss it. Internal card payments — autopay and statement payments — are filtered out automatically and never shown.
Duplicates are handled too: if the same charge appears in two monthly statements (a Dec 31 charge that posts in both December and January), ExpenseBot matches on merchant name + amount + date within ±1 day and suppresses the duplicate, so it isn't counted twice.