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Chase lets you configure the payments to pay in full every month. I was very surprised to see this, as the bank ideally wants you to pay the minimum and interest.



Also one thing people often forget if carrying a balance - if you have balances with two different interest rates (say cash advances or balance transfers first vs. purchases or if the card issuer has raised the interest rate for purchases after a certain date) they would like you to think that "any payment above the minimum goes towards the highest interest balance" means that the whole of the given payment goes towards said balance. In point of fact, only the amount of the payment above the minimum does, the rest goes to the lower interest balance. This can sneak up on people who don't actually read their statements and destroy any form of credit progress.


And it's awesome. I haven't missed a credit card payment since I switched to a Chase card.

Previously, in a decade or 2, I think I missed 2-3 payments due to mistakes on my part. Not horrible, but certainly embarrassing and wasteful.




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