There is a "credit balance"; shown on my statement. What is that and what should I do?
Credits are added to your account each time you make a payment or when you return something you bought with your credit card. Credits can also be added to your account because of rewards you have earned or because of a mistake in a prior bill. If the total of your credits exceeds the amount you owe, your statement will show a credit balance. This is money the card issuer owes you. You can spend the amount of the credit balance without owing anything to the card issuer. If you prefer, you can call your card issuer and arrange to have a check sent to you in the amount of the credit balance; your card issuer may ask you to submit this request in writing.