The credit card companies don’t seem to have any trouble applying my cash back rewards to my account balance without sending me a check. But if I do cancel my a

The credit card companies don’t seem to have any trouble applying my cash back rewards to my account balance without sending me a check. But if I do cancel my account and end up with a positive balance, they do send a check. Seems like basic accounting to me, not some sort of wizardry like you suggest. Mailing checks is probably more expensive if anything.