If your credit card account / line of credit has a credit balance—in other words, money is owed to you—of more than $1, you have two choices:
• Roll the balance over to the next billing cycle. The money owed to you will be applied to your new purchases in the new cycle.
• Send a written refund request to your credit card company. Tell them how you want the refund paid (e.g., cash, check, money order or credited to a deposit account). Once the written request is received, they must refund the money within seven business days.