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rated:
Old thread

The old thread is archived and closed, sadly, although I would prefer a mod to open it again. (hint, hint)

The concensus is that Chase now cancels at $.99, previously $1.99.

Please add other data points.

Equally, it would be useful to compile a list below of ultra cheap purchases ($4 or less and especially $2 or less) that can be made with a credit card.

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Wow, Citi Dividend card billed me for 1 cent !

I purchased something larger > 15 bucks online for which used up a eGC a... (more)

invisible (Feb. 16, 2014 @ 7:04a) |

BankAmericard Rewards Signature Visa (FIA) billed at 99 this month.

KYBOSH (Feb. 19, 2014 @ 4:46a) |

GM cards still appear to be billing all balances, even after the move from HSBC to Capitol One.

stanolshefski (Mar. 09, 2014 @ 7:35p) |

Advanta canceled at $1.00/$0.99 (May 2009)
Advanta billed at $1.20

Alliant billed at $0.99

AMEX billed at $1.99
AMEX billed at $0.01
AMEX canceled at 0.49 (first statement: balance is 0.49 but nothing is due; second statement: balance adjusted to zero)
AMEX billed/canceled at $1.00 on odd/even months respectively
AMEX Cash Rebate Card cancelled at $1.00 in Aug 2013 but had billed at $1.00 in Jul 2013
AMEX Delta Options billed at $1.00 (Aug 2013)
Amex Optima Platinum billed at $1.00 (Aug 2013)

Associated Bank (Elan) canceled at $1.00 (Dec 2011)
Associated Bank (Citi) billed at $1.00 (March 2012)

BofA billed at $0.01/0.03/$0.49/$0.99/$1.00
BofA (Better Balance) canceled at 1.00 (August 2013)
BofA (BankAmericard Cash Rewards) billed at $2 (August 2013), billed at 0.99 with automatic payment on due date (Feb 2014)
BofA Personal Line of Credit (NOT a credit card) canceled at $1.99, $2.26, $2.89

Barclay's cancelled at 0.99 (Oct 2013)
Barclay's billed at $1.00 (April 2013)
Barclays NFL Extra Points Visa Signature canceled at $0.99 (Dec 2013)

Best Buy Mastercard billed at $1.10

Capital One canceled at $1.00 (Nov 2013)
Capital One Business canceled at $0.99
Capital One billed at $1.01/$1.98/$1.99

Chase cancelled @ $0.99 (Oct 2013)
Chase billed at $1.00 (May 2013)
Chase billed at $1.00 (Oct 2013) paper bills

Citi billed for everything even for a measley $0.02 (Jul 2008)
Citi billed for $0.09 (April 2013)
CitiBusiness billed for $0.99
Citi Dividend Master Card cancelled $0.13 (Aug 2013)

Citizens canceled at $.99 (June 2013)
Citizens (former RBS) cancelled at $.99
Citizens Business Card canceled at $.99
Citizens Business Card billed at $1.00

Crate and Barrel cancelled $1.50 (April 2013)

Discover cancelled @ 1.99 (Oct 2013)
Discover billed at $2.00
Discover Open Road cancelled @ $2.00 (Aug 2011)

ELAN billed @ $0.99 (incl. cards accessible via usbank.com which were issued by ELAN, e.g. LinuxFund)

Emigrant Direct (Elan) canceled at $0.99
Emigrant Direct (Elan) canceled at $1.00 (Apr 2013)
Emigrant Direct (Elan) billed at $0.99 (Sept 2013)

ETrade billed at $1.97

Fidelity Investment AMEX billed @ $0.99 (Mar 2012), @ $0.88 (Dec 2012)
Fidelity Investment Visa cancelled @ 0.99 (May '13), then billed @ $0.99 the next month (June'13). Billed again (Feb'14).

Fifth Third billed at $1.96

First National Bank of Omaha (FNBO) billed at $0.99 (on 2/4/12)
First National Bank of Omaha (FNBO) Biz billed at $1.00 (on 11/25/08)

GE Capital Retail Bank (TJX Rewards MC) billed at $0.99 (Jan. 2013)
GE Capital Retail Bank (TJX Rewards MC) billed at $0.49 (Feb. 2013)
GE Capital Retail Bank (GAP VISA) billed at $0.31 (Jun 2013)
GE Capital Retail Bank (WalMart Discover) billed at $0.68 (Nov 2013)

GM Flexible Earnings (HSBC) billed at $0.99 (on 02/02/2010)
GM Flexible Earnings (HSBC) billed at $0.49 (on 3/2013)
GM Flexible Earnings (Capitol One) billed at $0.99 (on 2/2014)

Hooters (MerrickBank) billed at $1.84
Hooters CANCELED at $1.00

HSBC canceled at $0.92
HSBC billed at $0.95
HSBC billed at $.07

IberiaBank canceled at $1.00 (April 2012)

J.Jill (Comenity) canceled at $0.99
J.Jill (Comenity) canceled at $1.99 (December 2013)

Juniper(Barclays) canceled at $0.99 (Sep 2010)
Juniper(Barclays) billed at $1.99 (Feb 2007)

Keybank MC billed at $0.99/$1.98

National City Business canceled at $1.00
National City Business canceled at $1.99 (1/9/09) (5/2013 - continues to cancel @$1.99 after becoming PNC)
National City Business DID NOT CANCEL $1.99 8/2013
National City Personal Card (Lifespring) billed at $1.00

Orchard Bank (HSBC) billed at $0.99

Macy's Visa billed at $1.00
Macy's AMEX billed at $0.02 (customer serviced cancelled the balance)

MBNA billed at $2.02

PNC (Elan) billed at $1.98
PNC (Elan) canceled at $1.00 on 01/08/09
PNC (Elan) billed at $1.00 on 02/08/09
PNC (Elan) cancelled at $0.99 on 03/10/09
PNC (non-Elan since Oct'10) billed at $0.99 on 11/10/10
PNC Business (former National City Biz) billed $1.99 8/2013 (has canceled every month until now)

Providian/WAMU canceled at $0.99/$1.00
Providian/WAMU billed at $1.01/$1.94/$1.95/$1.99

Penfed cancelled $0.89 (Nov 2011)
Penfed billed at $0.99
Penfed AMEX Travel cancelled $0.99 (Feb 2013)
Penfed Platinum Rewards Visa canceled at $0.99 (Jan 2013)
Penfed Platinum Rewards Visa canceled at $1.00 (Jan 2014)

Pulaski cancelled $1.00
Pulaski billed at $1.99

RBS cancelled $0.99

Sears MC (by Citi) canceled at $0.99 (used to be $5.00 but stopped as of 7/01/07)
Sears MC (by Citi) billed at $1.00
Sears (regular - not MC) billed at $4.99.

Sallie Mae 5% (Barclays) canceled at $0.99 (Jan 2013)
Sallie Mae 5% billed at $0.99

SunTrust billed at $1.99

Talbots (Comenity) cancelled at $1.50
Talbots (Comenity) cancelled at $0.99

USAA canceled $0.93/$0.99
USAA billed at $1.00/$1.99

US Bank Cash+ Visa canceled $0.59 (May 2013)
US Bank Cash+ Visa canceled $0.99 (June 2013)
US Bank Cash+ Visa billed $0.99
US Bank Club Carlson canceled $0.01 (November 2013)
US Bank Platinmum Visa billed $1.09
US Bank Worldperks Visa canceled $1.00
US Bank Worldperks Visa billed at $1.36
US Bank Worldperks Visa billed $0.92 (0n 10/6/07)
US Bank Baylor Alumni canceled $1.00 (1/8/09)
US Bank Flexperks Visa canceled at $0.89 (10/27/11)

Wachovia canceled $1.00, however they did NOT cancel two months in a row.
Wachovia (Signature VISA) did not cancel $1.99 (06/23/2009)
Wachovia (Signature VISA) did not cancel $0.99 (07/23/2009)

Wells Fargo canceled at $1.99 (Sep 2010) ... even on former Wachovia card (Signature VISA)
Wells Fargo Business canceled at $0.99 (June 2013)
Wells Fargo Business canceled at $1.99 (Aug 2013)

Zions Bank Visa canceled at $1.98

rated:
While interesting, is it really worth spending time on $1.99/month with Discover? You'd have to be aware of the small amount, and verify your statement for the credit.

rated:
walletfart said: While interesting, is it really worth spending time on $1.99/month with Discover? You'd have to be aware of the small amount, and verify your statement for the credit.(#ofchasecards + #ofdiscovercards) * $1.99 adds up. Do this 12 times year and you could be a millionaire in 8,192 years even without interest.

rated:
If you have a stack of these cards, you can do them all at once and put a few gallons of gas in the tank to make it worthwile. It also may have the side benefit of keeping the cards active since they have had activity on them.

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Chase billed me for $1.64 on a Cash Plus Rewards.

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Chase Freedom cards bill at $1.99 now.

rated:
Chase Perfect, Chase Freedom and Chase Amazon Rewards all billed at $1.99 on or after 11/15/08. Chase United Mileage Plus was my last Chase card not to bill for $1.99 on 11/3/08. There must have been a policy change between the 3rd and the 15th.

rated:
Chase was still working as of 11/8/08 at $1.99. In case people are trying to pin the *exact* date it died, lol.

Sounds like caput for sure with these reports...just as I was looking forward to my seldom used Wamu cards to get converted to Chase they kill it. Oh well, let's try $0.99 and $1.00 just for kicks ;p

rated:
cure said: A new date point is that Chase Sony, after cancelling $1.99 for months, just billed for it. Anyone else seeing the same?

Why yes, I did. I even mentioned it in the thread I started on 11/17 called "Chase billed me for $1.99".

I'm sorry to hear they billed under 1.99 because I tried to schedule payments under 1.99 and Chase wouldn't take it, thought maybe 1.98 might work.

While interesting, is it really worth spending time on $1.99/month with Discover? You'd have to be aware of the small amount, and verify your statement for the credit.

Yes indeed, it was/is for me. What is the cutoff point in your mind for spitting on free money? I've started throwing away pennies in change, so I guess mine is $0.04. In my thread someone asked much the same question, and I calculated that it's about $225/hr after taxes. Wow, it's so much effort to open a new tab while I'm doing other stuff and have roboform log me in...

rated:
WalStMonky said: I'm sorry to hear they billed under 1.99 because I tried to schedule payments under 1.99 and Chase wouldn't take it, thought maybe 1.98 might work.
You can schedule payments for $1.99 and under (on Chase's website) only if they are the current balance or minimum payment, you can't enter them as a different amount.... as of:
11/19/2008 11/19/2008 External Withdrawal CHASE - EPAY -$1.96

rated:
My concern is if the charge doesn't vanish by the time you get your second (or third) bill with the few cents still showing, that a credit card issuer might not only ding you with a late fee, but will report you past due to the credit bureaus. Is that worth it just to save some pocket change?

rated:
marpole said: Chase Perfect, Chase Freedom and Chase Amazon Rewards all billed at $1.99 on or after 11/15/08. Chase United Mileage Plus was my last Chase card not to bill for $1.99 on 11/3/08. There must have been a policy change between the 3rd and the 15th.Let's play the game. I'm turning off paperless delivery (they will mail paper statements) and will try $1.99 for a few months on each of my chase cards.

rated:
burgerwars said: My concern is if the charge doesn't vanish by the time you get your second (or third) bill with the few cents still showing, that a credit card issuer might not only ding you with a late fee, but will report you past due to the credit bureaus. Is that worth it just to save some pocket change?

So pay when your billed and no worries. Why is that more of a problem with a balance of 1.99 rather than 19,999.99? Anyway, you'd get a late fee if you didn't pay by the due date, it wouldn't slide until the second or third billing. Really, it only requires an IQ of about 80, perhaps even less, to pay your bills on time.

rated:
Argh, this is going to cost me $120 a year

Generic Chase card billed 1.99 on 11/19, Chase PerfectCard billed 1.99 on 11/22.

rated:
Thanks to OP for creating a new thread.

Chase billed @ $1.20

Not recent but from old thread ...
HSBC/Orchard billed @ $.92

rated:
alpinewhite said: Let's play the game. I'm turning off paperless delivery (they will mail paper statements) and will try $1.99 for a few months on each of my chase cards.

I'm afraid that won't work. I've always had paper statements and never got billed for <$2.00 through 11/11/08. On 11/18/08 Chase mailed me a bill for $1.90.

rated:
Just received my Chase Sony card bill and they billed me at 1.99$. There goes my 240$/ year . Hopefully discover will continue the trend. At least I can make 120$/ year

rated:
Chase just billed me for $1.99 too.

rated:
My 11/24 Chase Sony Card statement billed me for $1.18.

rated:
Concur about chase LaSalle MC billed $1.99 for the first time on November statement. A Sony card also billed $1.99. Will try 0.99 next - see if that's the new $1.99. I also wonder if switching paper statements back on would have any effect.

rated:
You guys give chisler a new meaning

rated:
Billed 1.99 for November

rated:
Economist said: Concur about chase LaSalle MC billed $1.99 for the first time on November statement. A Sony card also billed $1.99. Will try 0.99 next - see if that's the new $1.99. I also wonder if switching paper statements back on would have any effect.

No. It won't have any effect. I have paper statements for all my cards.

rated:
Nah, it's over for Chase. Discover still forgives...a statement printed on the 24th for me with a fat 1.99 credit.

rated:
re: chase

11/25/2008 $0.99 credit adjustment (paper statement)

I guess 99 cents is better than nothing...

rated:
If I understand this correctly, you charge something, for example $20.
Then, you pay $19 when the statement comes, knowing that the credit card company will not bother billing for the $1?
Or am I totally off here?
Thanks.
andoldlacev

rated:
You're off. You charge $20, and pay $19 BEFORE the statement cuts, then they zero it out and don't ask you for anything (for reasons unknown to us). You always pay what they ask you to pay.

rated:
Chase billed me $1.99 on all 6 of my cards for the first time ever in november.

Don't think $0.99 is worth the effort if that's the new number.

rated:
diljs said: Don't think $0.99 is worth the effort if that's the new number.If 99 cents is the new number, I will be charging $1.00 to my cards monthly and paperless statements will be off. Better yet, I will pay $1.01 after I get my bill for $1.00 so they will then send me another statement for the subsequent month. This way, I only have to use the card once every two months.

rated:
For my 11/13 statement, I got a credit adjustment for $1.98 on Chase Freedom.
But I'm not sure when the cut-off date was for the limit change.

rated:
Chase billed for $1.99 on each of 3 cards on their 11/28 statements. Will try $.99 for next month (it takes less than a minute to process each charge, and will still net $36/year for less than 1/2 hour time investment)

rated:
re: chase (followup #2)

11/28/2008 $0.99 credit adjustment (paper statement)
11/28/2008 $0.99 credit adjustment (paper statement)

rated:
I had $1.11 balance and $1.01 rewards (Cash Back) pending from the previous billing period. I got:
11/28 CREDIT ADJUSTMENT 0.10

rated:
jennatx said: WalStMonky said: I'm sorry to hear they billed under 1.99 because I tried to schedule payments under 1.99 and Chase wouldn't take it, thought maybe 1.98 might work.
You can schedule payments for $1.99 and under (on Chase's website) only if they are the current balance or minimum payment, you can't enter them as a different amount....

I believe the smallest payment allowed in Chase system is $1.00. You have to pay no less than a dollar. In other words, if your bill is $0.95, you have to pay $1. You can't arrange a payment in the amount of $0.95.

BTW, in November, all my Chase cards were billed for small balance. I guess I can't game the system no more.

rated:
Quoting above post:"BTW, in November, all my Chase cards were billed for small balance. I guess I can't game the system no more"
Were the small balances LessThan $1 or between $1 7 $1.99?

rated:
FNBO Biz billed $1

rated:
Chase billed me for $1.00

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Ditto...

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zjts said: Quoting above post:"BTW, in November, all my Chase cards were billed for small balance. I guess I can't game the system no more"
Were the small balances LessThan $1 or between $1 7 $1.99?

They were all more than $1.00. I am guessing Chase had fixed their system not to automatically adjust the accounts.

Not sure what day the "new" system went into effect though, since there were few still getting credit adjustment in late November.

Skipping 365 Messages...
rated:
GM cards still appear to be billing all balances, even after the move from HSBC to Capitol One.

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