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The cURL example is correct, but the wrong href is used in the other client examples. The fetch is using the credits href when it should be the href of the bank account.
Something like this should take care of the issue:
should be
/bank_accounts/BA3bgtBxC3q4N9QvlN2jqFnL
not/bank_accounts/BA3bgtBxC3q4N9QvlN2jqFnL/credits
https://docs.balancedpayments.com/1.1/api/credits/#create-a-credit-for-an-order
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