"Credit" is like store credit.
If I buy a $10 shirt from Old Navy and then I want to return it, they could possibly say:
No refunds or exchanges (I'm stuck with the shirt)
Only store credit (I get my $10 back, but I have to spend it at Old Navy)
or
Refund (I get my $10 back, and I can spend it anywhere)
Let's summarize the policies here.
We're billed every 4 weeks in advance. Let's say every issue costs $1, so we pay $28 for 4 weeks of daily issues.
If we don't receive our paper, we should call promptly for replacement.
If they have a replacement copy, they'll just give us that.
If they don't have a replacement copy, they'll credit the $1 cost of that issue back to our accounts.
BUT, we have to report the lost copy within 24 hrs. If we wait longer than that, we don't get any credit back to our account.
If we're going out of town and want to request them to suspend delivery of the paper, we have to tell them at least three days before when we want the paper to stop arriving.
So if we're leaving on Thursday the 8th, we have until Monday the 5th at the latest to ask them to hold our deliveries while we're gone.
(The paragraph seems to imply that if we ask them to hold our deliveries, we won't have to pay for those issues)
In order to cancel our subscription permanently, we have to submit a written cancellation request prior to the date of cancellation. So I can't just call up today and cancel my subscription.
(A) Mr. R is in the wrong. He tried to cancel by just stopping his payments, but we know that in order to cancel we must submit a written cancellation.
(B) Dr. B is in the wrong. When we call within 24 hrs. to say we didn't receive a copy of the paper, we only get credit back to our accounts if the Gazette is unable to supply us with a replacement copy. But here, Dr. B called on Monday to say she didn't receive Sunday's issue, and the Gazette offered her the replacement copy.
(C) Ms. H is in the right. She requested temporary nondelivery and followed the correct procedure. She made her request at least three days before the delivery was to temporarily halt.
(D) Ms. J is in the wrong. She tried to cancel her subscription by calling. The cancellation policy stipulates that you must submit a WRITTEN request. Be careful with the various terms specified in the paragraph. You cited the 3-day rule for (D), but that had nothing to do with cancellation. The 3-day rule was for "temporary nondelivery of service". The last sentence explains the rule for "cancellation of service".
(E) Ms. S is in the wrong. She called about an issue she didn't receive and asked for credit, but she called MORE than 24hrs. after the issue didn't arrive (it didn't arrive on Sunday -- she called on Tuesday).
Hope that clarifies. Thank goodness we can just read our news on the Internet now.