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The average daily balance method gives you credit for your payment from the day the card issuer receives it. To compute the balance due, the card issuer totals the beginning balance for each day in the billing period and deducts any payments credited to your account that day.
Depending on the issuer, some secured require a deposit for a limited time such as one year. If your history with the is good, the issuer may extend your line of credit or offer you an unsecured card. An is one credit card holder that does not require a security deposit.
When you return merchandise or pay more than you owe, you have the option of keeping the credit balance on your account or requesting a refund, if the amount exceeds $1. 00. To obtain a refund, write the card issuer. The card issuer must send you the refund within seven business days of receiving your request.
