highmktgoods said: I noticed something last night when I made an Amazon.com purchase.
I funded my Amazon account with gift card purchases. I redeemed my gift cards (applied them to my account) and then I made an item purchase (not gift cards). My Amazon credits balance was not quite enough to purchase the item outright. When I was checking out, instead of charging the final .38 cents to my credit card, it skipped that screen and went straight to the order complete screen.
It looks like there's a way to do this repetitively: 1) Determine cost of your Amazon purchase after checkout. 2) Purchase gift card for an amount that is reduced by X where X is at least 38 cents (possibly up to 2.00??) less than step 1. 3) apply gift cards to your account. 4) purchase items from step 1. 5) save X.
edit: ok, so somewhere between .38 and 1.16. Ty bluechalk!This did not work for me for an ebook order via a Kindle. I had 30¢ left after the gift card balance, and Amazon charged my credit card for 30¢.
byex0039 said: Glitch99 said: Moosy said: Crate and Barrel credit card canceled a $1.50 bill I had. Issued by Comenity Bank? Never heard of it - is that another bank focused on store-branded cards rather than Visas/MCs?
invisible said: Citi Dividend Master Card credited $0.11 So tried 99c charge thru' Sprint but Sprint has changed to only allow $1 or above so tried that lets see....
I'm so surprised that Citi gave a credit...go Dividend! Too bad this Q's category is useless for me...so it's sock drawered for now. Waiting for the electronic store category on the Q4 to max out the $300/yr (this'll be my first time maxing rewards on the dividend if it happens).
KYBOSH said: Reaffirm Discover gave a $1.99 small balance credit this month. First time I tried it. I saw this thread and looked at my statements. I was surprised to see the small balance credit in my statement. I use some cards for small transactions (such as vending machines) to keep my card active. I set up auto payments and never look at the account (unless I see unsual trnxs). Looks like I was earning those odd dollars without knowing about it. Now I can try to make all my idle cards pay!
ussvoyager04 said: I set up auto payments and never look at the account (unless I see unsual trnxs). Completely off topic, but you are obviously playing with fire - If you dont look at the account, you will not see unusual transactions, and by the time you bother to notice a fraudulant transaction it'll be too late to do anything about it. You didnt even notice an unusual credit being applied to your account...
hightide said: I've never taken advantage of small credit cancellation with Chase. Would you recommend doing it every month or only on most months? Would doing it every month raise red flags? I'm sure that some of us are doing it every month on multiple cards each month.
hightide said: I've never taken advantage of small credit cancellation with Chase. Would you recommend doing it every month or only on most months? Would doing it every month raise red flags? Its a pretty basic concept, dont overthink it. Either do, or dont do - there really isnt a "strategy" behind it.
I thought I had identified which of my Amex cards were "even" months and which were "odd" months, but when I tried to strategically alternate the months to align with the cancellation pattern I got I got billed. Now I'm thinking that I need to have a $1 charge every month and just know that only half of them will be cancelled per year. If I skip a month, it seems to start the pattern from scratch.
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