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If you can make their system work for you, all the better.
Some people will do the "transfer balance" game to get a lower interest rate for the transferred balance. Sure it saves some $ in interest, but you have to be vigilant and not miss a payment.
Once you miss one payment, they screw you.
I have only small incidental items that I cg=harge during the month, so my balance is typically under $30 on any given month.
What I did was purposely overpay by sending a payment of $100.00 to see what they would do.
Well, if you send more than what is due, and they credit your account the full payment amount, they HAVE to pay you interest on the balance that is carried over. They don't like that, so they sent me a check for the remaining balance.
I overpaid again for a lesser amount. Man, I love sticking it to them!
I also LOVE mailing thier crap offers and junk mail back to them.
I also return those blank checks with VOID written in permanent marker. Like I said, I like sticking it to them!
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