Revolving Credit Loans; Minimum payment, add logic to factor in Refunds allocated to Interest

Revolving Credit Minimum Payments with a basis of "Interest Only" and "Interest and Fees Only" now factor in Refunds that are allocated to Interest.

For example. consider the following scenario. A Revolving Credit Loan (Minimum Payment is Interest Only) was charged Default Interest. The Borrower paid the full Minimum Payment (including Interest + Default Interest). Then the Default Interest was reversed and refunded to the Borrower. The next Minimum Payment includes the new Interest + the reversed Default Interest; so appears to be lower than expected.

Now, Refunds, if allocated to "Interest", will add/deduct from the Minimum Payment. This means the reversed Default Interest will be cancelled out and will be the full Interest for the month.