Adam McCann, Financial Writer
A U.S. Bank credit balance refund is a reimbursement for paying more than the total balance owed on a U.S. Bank credit card. For example, a cardholder who has a balance of $500 but pays $600 can get a credit balance refund of the $100 that they overpaid.
Cardholders can request a U.S. Bank credit balance refund by phone (1-800-285-8585) or by sending a written request to
PO Box 6352 Fargo
U.S. Bank cardholders can get a credit balance refund in the form of a check.
Please note that you are not required to request a credit balance refund if you overpay your U.S. Bank credit card. If you have a negative balance on your account, meaning you've paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, U.S. Bank is required to offer you a refund.
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