Bulb is just using your credit for the interest and making the books look better. I've got £600 in credit, and they want to put my DD up by an extra £10 a month. I asked for a refund on my credit and was met with a very ride CS person whom I couldn't understand, she basically told me they couldn't do a full refund and will see how much they would be willing to do, still didn't get a partial refund. These big corporate companies have got way to much power. We the public need to start creating our own T&C's which are presented to the business if they wish for our business.