How to Claim Unused Credit Balances You Didn't Know About

Unused credit balances are surprisingly common — whether from closed accounts, service cancellations, or forgotten refunds. Every year, billions of dollars are left behind simply because consumers aren’t aware they’re owed money. It's time to change that.

What Are Unused Credit Balances?

Unused credits are funds that remain with companies or institutions after a financial transaction — often unnoticed. This could be an overpaid bill, a partial refund, or a billing adjustment never returned to your bank. They may seem small individually, but collectively, they can add up to significant amounts.

Examples include closed credit cards with positive balances, utility deposits never refunded, or airline fees returned to a card you no longer use. These are your funds — and you have every right to reclaim them.

How to Start the Claim Process

Begin by reviewing your old bank statements and emails from service providers. Look for mentions of refunds, credits, or balance adjustments. Then, contact those providers directly to inquire about any unclaimed funds.

If this feels overwhelming or you’re unsure where to begin, Finance Incorporate offers a streamlined solution. Our platform searches across accounts, providers, and claim types — making it easier than ever to recover what's rightfully yours.