I have a discover card that appears to be crediting my account everytime my bill is low. I don't use it except every 3-4 months for a small purchase, and in this case the purchase was forgiven for the amount of $1.18 both times.

What other cards have this "feature?"

have you checked your credit report to make sure they aren't adding it?

highmktgoods said:Well I was just thinking that if I had 100 of those kinda cards...i would find a better use of my time/credit.

I think you may have been lucky. Perhaps certain banks consider the cost of preparing, and mailing a statement too much for such small amounts, they forgive it. They do make something from the merchant. If you do it too often, you may be redflagged, and they also may decide to change their policy. You could paypal yourself free money

highmktgoods said:I have a discover card that appears to be crediting my account everytime my bill is low. I don't use it except every 3-4 months for a small purchase, and in this case the purchase was forgiven for the amount of $1.18 both times.

What other cards have this "feature?"

thats not a feature and i bet its going to bite you later, when was the last time you checked your CBR?

Interesting that you should mention this. My wife has an old Providian card that she doesn't use any more, and they forgave a $1 charge this month. (I used this card to confirm a change of address at usps.com. It was the only card she had where we hadn't changed the billing address.) As you say, you're not likely to get rich by taking advantage of this, but if I can use my Discover card and her Providian Visa to get two free bagels a month, that would still make me happy.

highmktgoods said:My other question is, how much will they tolerate in a single billing period ?Once, since, as you said, its a SMALL BALANCE CREDIT not a small charge credit.
Discover 1.99
Capital One 0.99

If you check the Chase Sony Visa thread, people have noticed their $1 charges getting credited.

WalStMonky said:My charge of $3.14 to the Chase Sony card was billed.

From the answers, it seems like Chase will automatically credit for any balance up to $1-2 and will bill if the balance is higher than that. We can do some experiences if we have large samples to get the exact number. It could be $1.50 or $1.99?

SilverB18C1 said:I've been charging $1.00 on my Wells Fargo Visa for almost a year now, and they have always adjusted my balance to $0. I haven't tried anything more than $1.00, so I'm not too sure where the limit is.

I usually make the charge via eBay's 'one-time payment' method. It's like 1 free insertion a month.

I've charged 1.06 and they have adjusted it. For the upcoming month, I am testing 1.15. We'll see what happens.