我来解释一下什么叫small balance credit

VoyatUSA

因为discover和freedom加油都是5% cashback，这个几个月discover基本上没有动。

"但是不用discover，每月就没有fico分了"

纠正：不消费也能看fico。
。于是就在亚马逊买了2刀e gift card。等到账单日，发现balance为0。
原来因为我欠的钱太少，discover来要债可能导致它花费的钱更多，就免掉了。
我只是科普一下，对造成的结果不负责任。
这个是在肥钱包论坛上看到了总结，各位可以参考一下。

Member Summary Most Recent Posts BofA billed at $0.01 Penfed billed at $0.99 VIP1 (Jun. 20, 2008 @ 8:24p) | yes as of 5-08, i think zjts (Jul. 12, 2008 @ 8:43a) | I had a new credit of 2.48, even though a used it 2 days later the freaks sent me a check. sackoloot (Jul. 15, 2008 @ 1:45a) | Advanta canceled at $1.00 Advanta billed at $1.20 AMEX billed at $1.99 AMEX billed at $0.01 AMEX canceled at 0.49 (first statement: balance is 0.49 but nothing is due; second statement: balance adjusted to zero) BofA billed at $0.01/0.03/$0.49/$0.99/$1.00 Best Buy Mastercard billed at $1.10 Capital One canceled at $0.99/$1.00 Capital One Business canceled at $0.99 Capital One billed at $1.01/$1.98/$1.99 Chase canceled at $1.40/$1.49/$1.99 Chase Biz canceled at $1.99 Chase billed at $2.00 Citi billed for everything, even for a measley $0.02 CitiBusiness billed for $0.99 Citi personal "BALANCE REMOVED DUE TO 3 MOS INACTIVITY" ($0.35) Citi personal "BALANCE REMOVED DUE TO 3 MOS INACTIVITY" ($0.39) ** Citi personal "Removed balance can be re-applied to the acct as payment within 6(?) months" ** Discover canceled at $1.98/1.99 Discover billed at $2.00 Etrade billed at $1.97 Fifth Third billed at $1.96 Hooters (MerrickBank) billed at $1.84 Hooters CANCELED at $1.00 HSBC canceled at $0.92 HSBC billed at $0.95 Juniper(Barclays) billed at $0.01/$1.99 Keybank MC billed at $0.99/$1.98 Orchard Bank (HSBC) billed at $0.99 Macy's Visa billed at $1.00 MBNA billed at $2.02 PNC(Elan) billed at 1.98 PNC(Elan) canceled at 1.00 Providian/WAMU canceled at $0.99/$1.00 Providian/WAMU billed at $1.01/$1.94/$1.95/$1.99 Penfed cancelled $0.71 Penfed billed at $0.99 Pulaski cancelled $1.00 Pulaski billed at $1.99 RBS cancelled $0.99 Sears MC (by Citi) canceled at $0.99 (used to be $5.00 but stopped as of 7/01/07) Sears MC (by Citi) billed at $1.00 Sears (regular - not MC) billed at $4.99. SunTrust billed at $1.99 USAA canceled $0.93/$0.99 USAA billed at $1.00/$1.99 US Bank Platinmum Visa billed $1.09 US Bank Worldperks Visa cancelled $1.00 US Bank Worldperks Visa billed at $1.36 US Bank Worldperks Visa billed $0.92 (0n 10/6/07) Wachovia canceled $1.00, however they did NOT cancel two months in a row Wells Fargo canceled at $1.00/$1.06/$1.99 Zions Bank Visa canceled at $1.98

明日

这个好耶，

土包紫小朋友

汗，每个月撸一块钱这期望值是不是太低了点。。

漠簃

不管用不用discover，每月都有fico分的，登陆以后在Discover is now providing your FICO® Credit Score for free. View Now看

云天门_YETI

好东西啊，已经做好准备每个月少还1.99了

Alex叔叔

赞

SeanZh

手动点赞，哈哈

国际Best

了解了

我为学狂一号

好像是少于2刀就行，看1.99是cancel，2就billed了阿。

这样chase加discover 每月和起来可以白拿3.98哈。

我为学狂一号

chase不对吧，我以前freedom故意还的只有一刀留着，balance还是有显示是1$阿。

C1也一样阿。

难道只有do s co v er可以这样？

henry_r

这招也太狠了

ykz1991

赞。。。

ksj0823

额。。这什么个意思。。就是说我每月如果都只有1.99的话。他就不会来收钱？？

蓝色幻想曲

这个好，一年撸他几美金买可乐喝