Normal payment process

Why can’t you have a normal billing process? I have a credit for $45. I want to purchase something for $49. Why do I have to buy an additional $20 worth of credit. Then have left over credit again. Do you not understand how to build costs appropriately into your business model? Why all the nickel and diming with an additional $2 fee for credit card processing? Add your costs together and markup the products accordingly. Stop making your poor management decisions and issues your customers’ problem. Be easier to do business with.

How much does it cost you to deal with all the customer service issues around credits?