§ 714. Automatic refund of credit balances. Where a credit balance
greater than one dollar exists, and where no purchases, payments or
other transactions (other than the imposition of service, membership or
other administrative charges) occur with respect to a consumer credit
account for six consecutive billing cycles, the creditor shall refund
the full amount of such credit balance by cash or check within thirty
days after the end of such period of inactivity.