Section 713. Required notice in credit account statements; refund of balances

1. Every statement reflecting a credit balance in favor of the
  consumer shall contain a clear and conspicuous notice stating the  right
  of  the  consumer  to  request  and  receive a refund of the full credit
  balance, together with the address to which such request may be sent.
    2. Every creditor shall refund the full  credit  balance  by  cash  or
  check within thirty days of receipt of such request.