Getting a credit card to report 0 $0 balance????

[jmontes77029]

How do you get a credit card to report a $0 balance if the credit card charges a monthly fee at statement closing. I have a couple of cards that have a annual fee that are billed monthly and have a monthly maintenance fee. Is there a way to get it to report $0?

[DI]

Pay enough to cover your purchase charges and the monthly fees in advance. 

[Anonymous]

jmontes,

which cards do you have?

[jmontes77029]

I have a couple that were for rebuilding credit

First Premier Credit- $7.00 monthly servicing fee

Credit One - $5.75 monthly fee for annual fee

All other cards I have charge no fees or annual fee is charged annually.

[DI]

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@jmontes77029 wrote:

I have a couple that were for rebuilding credit

First Premier Credit- $7.00 monthly servicing fee

Credit One - $5.75 monthly fee for annual fee

All other cards I have charge no fees or annual fee is charged annually.

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If you have a  balance of $50, you'd need to pay $57.00 for a $0 balance to report.   The same for your second card.  Once you pay the balance, do not use the card until the new statement generates.

[Anonymous]

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@jmontes77029 wrote:

I have a couple that were for rebuilding credit

First Premier Credit- $7.00 monthly servicing fee

Credit One - $5.75 monthly fee for annual fee

All other cards I have charge no fees or annual fee is charged annually.

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What other cards do you currently have open?

[jmontes77029]

Can I pay more then my current balance? For example if my current balance is $50 I can pay $57r even though statement has not been cut? Would that make my balance -$7?

[DI]

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@jmontes77029 wrote:

Can I pay more then my current balance? For example if my current balance is $50 I can pay $57r even though statement has not been cut? Would that make my balance -$7?

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Some banks allow you to pay more than what the balance says.  You won't have credit since they charge you $7.00 each month.

[jmontes77029]

The cards will not let me pay more than the balance showing. So if I pay balance in full every month when I reports again it will be $7.00 even if I do not use my card at all. So basically at every closing will show a $7 balance. I hope I am not being to confusing.

Other cards I have

Chase- no fees whatsoever.

Best Buy Rewards Mastered

[DI]

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@jmontes77029 wrote:

The cards will not let me pay more than the balance showing. So if I pay balance in full every month when I reports again it will be $7.00 even if I do not use my card at all. So basically at every closing will show a $7 balance. I hope I am not being to confusing.

Other cards I have

Chase- no fees whatsoever.

Best Buy Rewards Mastered

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Push the payment through via your bank using its Bill Pay service.  If you don't  do that,  you'd continue to have $7 balance reporting