No. of Recommendations: 0
Hi Kilbia,

Okay folks, we are in need of a serious lesson in how to be evil.

I didn't do it on purpose. I just forgot the exact amount of a payment, and rounded up to the nearest dollar. I've had a $0.03 credit balance on one of my accounts for a few months now (since December, I think). I actually made another purchase on the card, but paid off the exact amount (because I forgot about the $0.03 credit).

The only advantage I've noticed is that it sure is nice to get ONE credit card bill that you don't have to pay.

who really doesn't need the extra mail
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