imbatman said: bluechalk said: People are being arrested for exploiting billing loopholes here and here. I wonder if people who consistently leave a 99¢ balance might get the same treatment. Having your credit card cancelled is one thing, but going to jail is a whole lot worse.
Is this sort of question going to pop up in every thread where fw members get something for free?
I love this thread... Here's a couple of cards I haven't seen mentioned... M&T Bank Visa cancels at $0.99 [as of 1/5/13]. Harborstone Visa (via Elan) cancels at $0.99 [as of 1/11/13] but NOT if I use the same amount two months in a row. So I have to do $0.99 one month, $0.98 the next, then back to $0.99. Also, I'm pretty sure "Advanta" doesn't exist anymore, so it can probably be removed from the summary.
I'm about to pay off my Chase card when I remembered his thread. It was my everyday card but I'll be using it exclusively for the bonus categories now. I'll leave a 99¢ balance a see if I can get away with it.
KYBOSH said: I'm about to pay off my Chase card when I remembered his thread. It was my everyday card but I'll be using it exclusively for the bonus categories now. I'll leave a 99¢ balance a see if I can get away with it.
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. I might be missing the question, but I routinely buy 32oz fountain drinks at Quiktrip for $0.82 on a credit card (AMEX and MC).
zjts said: kjgco said: swc888 said: Does Capital One still cancel at $1 or just $0.99? Anyone knows? ThanksCap 1 still cancels at $1 for me. Anything different on Cap 1 cc's? thx
With Cash Rebate cards, it mess with the accumulated CBs.
I tried it back in Feb.
CB from previous cycle: $2.94 Purchased: $520.55, expected CB for the month: $5.21 (they round the number up...not sure for < $***.50) Total CB expected: $8.15, I received $8.14. They called the small balance credit CHARGE ADJUSTMENT. I went with $0.99, and they credited me $0.99. But, lost $0.01 from the CB. If you have none in the CB, not sure it'll put you negative.
atohmc said: invisible said: How long did you carry the -ve balance?I got the credit on 12/5/12, but it appeared on my 1/3/13 statement.
Removed in March, but it appeared on my 4/3/13 statement:
03/09/2013 BALANCE REMOVED DUE TO 3 MOS INACTIVITY $0.63
My purchase where it was reapplied was on 4/17. It appeared in my activity before the statement closed. I always clear these small credit balances with Amazon gift cards. Why would you let the balance sit for months?
BingBlangBlaow said: Very nice. I had tried this as recently as a few months ago and it did not work. Same for everyone else? It's very nice to know that issuers are still adding this "feature". "did not work" on which cards? for how much?
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