First off, What is the most dependable re-loadable visa or Discover Card? Thanks in advance for any comment. Another question on my mind: I havent had this experience yet, but I'm sure it will happen with one of.

Card eventually. Annual fees charged monthly..

It feels like a cheap way to get late fees/non-payment fees out.

Of those customers less diligent about their accounts. If someone.

Doesnt use a card in a given month, it's possible/more likely for.

Them to not think about making a silly $4 payment, imo..

Its a small thing, but it would really suck to get APR jacked.

And fee'd for missing a $4 payment..

I was thinking about overpaying a card that did that by.

The number of months left in the year..

Example scenario:.

In March, if I charged $120 on this card, my payment would be $160,.

Making the balance -$40. The next 2 months, the card is sockdrawered,.

So when the $4 fees in April/May hit, they just lower the negative balance..

If the card stays in the drawer for longer than originally planned, the fees.

Are managed for the remainder of the year, in this case. Overpaying enough.

To cover a calender quarter might be more appropriate..

I realize one could setup any number of automated payments, but.

Those carry a chance for mishap. Plus, little crap like this just clutters.

The picture when you are looking thru things to verify amounts, tracking.

Expenses, etc..

I was wondering if that negative balance decreasing (ie. they effectively got their money).

Would count as the $4 payment required monthly and satisfy any need for actual.

Payment that month to keep the account current..

Also, generally speaking, are there are any repercussions to overpaying cards other than.

A $XX, interest-free loan to them? Its not unknown for me to round up payments to the.

Nearest 10 (283=290) for simplicity...