Contact individuals with overpaid credit card loan balance to entice them to use their credit balance on their account. Why should you do this? Based on Regulation Z you are required to return any balance over $1 within a certain timeframe. Why not avoid returning the funds and generate some interchange income for your credit union at the same time!? You can use the report/file listed below to generate a list of members with a balance to call to get them to use their card prior to the date you are required to refund the credit balance. As an example, let’s say your marketing strategy is to offer a gift card to members who eliminate their credit balance by using their cards.