- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Basically what you want to do is accrue a positive balance on your account, which generally I don't think is possible. Payments typically aren't credited for more than the account balance, at least when you pay online; this has been my experience.
I would call them and explain your situation and see if you can't get a credit limit increase. Failing that, you might ask them to credit a "positive balance" payment.
I once accidentally had a positive balance of about $600. I signed up for autopay but didn't think it had gone active. I paid the account normally and then had my checking account debited for the full balance automatically. The account got paid twice, rendering a positive balance. Citi quickly sent a check to bring it back to zero, though.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.