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^This.
I have a long term BT on my Slate card, was nosing around the Blueprint option, and set that up to go along with my auto payment of the minimum payment. Did some small charges, let the calculated Blueprint payment autopsy, and no interest cost.
You can set up the Minimum Payment along with Full Pay to catch the new charges automatically, then pay extra for the faster rate you want to pay down the BT, or set up a Finish It component to your Blueprint trifecta to just let the autopay handle everything for you.
And in my experience, B of A is also possible to get in front of new charges, by paying them soon after they post, to avoid interest cost when carrying a BT.
US Bank, however, charges their minimum $2 interest, and that kept triggering a new $2 minimum until I called to get it shut off.
@Anonymous wrote:
With your Freedom, you can activate the Blueprint Full Pay feature. If you do this, charges you make (purchases) in the ACTIVATED Blueprint categories you choose will not accrue interest any interest if you pay them in full by the due date on the first statement they appear on even if you are carrying a balance (purchase, transfer, or otherwise). You will have a new "Blueprint Payment Due" amount every statement that includes your total Blueprint Full Pay charges and your minimum payment due for the rest of your account balance. Paying the Blueprint Payment Due will satisfy your minimum payment requirement.
I know this because I ran into the same issue with a BT on my Freedom. In my case, multiple reps told me no interest would be charged on purchases if I pay them by due date (just like you thought as well). When that didn't happen, a supervisor reviewed the tapes, credited the interest charges due to their error in explanation, and explained this Blueprint feature. I then used the feature with no issues for months.
Let me know if you have any questions!
How do I activate this blue print feature? Although, I will probably put this card away until the card is paid in full by next March(could be earlier). However this feature would be nice to have activated to avoid payin $2 interest next time
on your Chase Online account, there's a big fat "Blueprint" button associated with Freedom, Slate or CSP accounts. Click that.