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dpid
- Ancient Member
posted: Feb. 26, 2007 @ 12:03p 
SUCKISSTAPLES said:discover is well known for this
so a question that needs to be asked is that i recently got the 0% discover "for life" as long as i make two purchases a month. i was planing on buying 2 songs seperately on itunes at $0.99 each time. Total each month would be $1.98 and most likely written off. If Discover writes it off, does it still count as a purchase on our side fulfilling the terms of the 0% for life?
n/m, i got the answer from jairocon... after actually reading the whole tread.  |
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ChrisV
- Senior Member
posted: Feb. 26, 2007 @ 12:11p
kjgco said:Tried Juniper (Barclays) with $1.99 and got billed. Oh, well. Maybe try $0.99 or $1.00?
Try a $0.99 one next...that is the best starting point of those 2 values.
Here are my results so far(updated the summary with them):
Macy's Visa billed at $1.00, BofA billed at $0.99, USAA billed at $1.99. But best of all I tried the $5.00 again on Citi Sears MC and it is indeed true...it canceled at $5.00! That value seemed rather large to me so I had to try it out myself.
My Providian statement cut much earlier than I thought it would so gonna have to wait almost an entire month for the $1.99 test results.
Upcoming ones now:
Macy's Visa at $0.99, USAA at $1.00, BofA at $0.49, Chase at $2.00, Sears MC at $6.00? ;p |
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ILikeDollars
- Greedy Member
posted: Feb. 27, 2007 @ 3:57a
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busterbaxter
- Senior Member - 1K
posted: Feb. 27, 2007 @ 3:22p
Chase United MP Visa, cancelled at 0.30.
Chase Sony Visa, 0.4 went through. |
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fatlard
- Senior Member
posted: Feb. 27, 2007 @ 6:11p
Humm.. so chase is a crap shoot then? |
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tarheels2000x
- Tired Member
posted: Feb. 27, 2007 @ 6:33p
fatlard said:Humm.. so chase is a crap shoot then?
I have had chase cancel a balance of 1.49 on two different Sony visa card. |
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WalStMonky
- Happy Member
posted: Feb. 27, 2007 @ 7:21p
busterbaxter said:Chase United MP Visa, cancelled at 0.30.
Chase Sony Visa, 0.4 went through.
The 40 cent charge was the only item on the bill? |
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ThreeDJMay
- Thrifty Member
posted: Feb. 27, 2007 @ 7:23p
Chase cancelled a credit balance that I had of a few cents... when I called to inquire about this (it showed for several months) they said they zero out small balances in their favor...
It was a card that I hadn't used for months... |
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busterbaxter
- Senior Member - 1K
posted: Feb. 27, 2007 @ 7:23p
WalStMonky said:busterbaxter said:Chase United MP Visa, cancelled at 0.30.
Chase Sony Visa, 0.4 went through.
The 40 cent charge was the only item on the bill?
yes. The 0.40 was the only transaction.
I should also add that for the 0.30 that was cancelled, it was cancelled the next day after the transaction. |
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fatlard
- Senior Member
posted: Feb. 27, 2007 @ 7:28p
ThreeDJMay said:Chase cancelled a credit balance that I had of a few cents... when I called to inquire about this (it showed for several months) they said they zero out small balances in their favor...
It was a card that I hadn't used for months...
Wow... then I won't feel bad for taking $1.99 from them. |
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inthecity
- Member
posted: Mar. 1, 2007 @ 3:42p
Don't bother with AMEX, BofA, Citi, or HSBC. |
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kwg
- Charter Member
posted: Mar. 1, 2007 @ 4:25p
Chase Perfect credit adjust $1.26.
$0.02 reward still given. |
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Leeskey711
- Frivolous Member
posted: Mar. 2, 2007 @ 1:10p
busterbaxter said:Chase United MP Visa, cancelled at 0.30.
Chase Sony Visa, 0.4 went through.
Interesting because just yesterday my Chase United MP Visa and Sony Card both cancelled at 1.91 & 1.56 respectively. |
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SilverB18C1
- Senior Member - 1K
posted: Mar. 3, 2007 @ 3:44a
I just confirmed that Wells Fargo will cancel $1.99 |
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Economist
- Senior Member - 3K
posted: Mar. 3, 2007 @ 5:41a
Well, assume you are paying a utility bill online, and it takes about 20 seconds to do a single payment. In half an hour of work you'd be able to make around $200, which is $400/hour. Seems a pretty decent use of one's time.
As far as using credit, what if your limits are only 300-500 on each of the cards? Carrying $50k 0% bt (100% utilization) would net $2500 per year at 5%, but of course how many card accounts you'd have after going 100% utilization overall and on every single card is an interesting question From small balance cancellation you'd net $2400, and will show 0% utilization at all times, which means you credit score would be much higher.
BrianGa said: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. |
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ChrisV
- Senior Member
posted: Mar. 3, 2007 @ 2:02p
BofA billed at $0.49. Probably gonna give up testing anymore because it is pointless under that.
Another random Chase result too: canceled at $1.87. |
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fatlard
- Senior Member
posted: Mar. 7, 2007 @ 8:47a
Amazon Chase cancelled at 1.98 |
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Economist
- Senior Member - 3K
posted: Mar. 9, 2007 @ 5:27p
Providian (WaMu) Paypal visa BILLED at $1.99
Discover Platinum CANCELLED $1.99 balance (monthly charges $3xx.xx, payments - $3yy.yy, difference $1.99, zero balance previous statement).
Chase Platinum MC CANCELLED $1.98 balance. |
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fatlard
- Senior Member
posted: Mar. 9, 2007 @ 5:43p
Chase Cash Plus Rewards canceled at $1.97 |
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kwg
- Charter Member
posted: Mar. 10, 2007 @ 5:22p
Another Sears MC datapoint....
Charged $6.xx
Before statement date, bank billpay $1.xx
Sears statement: $5.00 credit adjustment, $0 balance |
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