" that is what is happening."
If you don't pay amount you owe,
eventually you will get a bill for $842 plus interest and penalties. And your 2022 credit from Form 1040 will still be in your IRS account.
If you see an amount on 1040-X line 23, something is not right.
Bank info is meaningless, you can't have electronic withdrawal for 1040-X.
But it does work for some state amended returns.
