singular123

Yes I do the exact thing you describe with my payments to this card. But there is something I found out the hard way over Christmas. Any payments over $99 will be credited to the account when they are received but your available credit will not be freed up for 10 days while they verify your payment clears the bank.

I also made multiple payments to the card between Thanksgiving and Christmas due to holiday spending and the froze my account for fraud investigation because I sent to many payments to close together.

Needless to say I was quite embarrassed when I went to purchase some last minute items and the card was rejected. One call to the number on the card took care of it and had the charge approved in 5 minutes.

Did anyone catch the following section of the card agreement?

"h) Miscellaneous Fees - We reserve the right to institute a standard charge or charges for the issuance, reissue or use of the Card or for the reinstatement of any Card privileges which have been suspended, as well as an annual fee and per item fee for each Transaction, and you agree to pay us such charges and fees."

They reserve the right to instate an "annual fee" and a "per item fee for each transaction" ohh and "you agree to pay us such charges and fees".

I just love how they word all of that.

All that aside it is a decent offer, after all they are taking chances on you right? Just keep an eye on any Cardholder Agreement changes they send you.