Just so you can get a genereal idea of where i sit. I have my business checking with them. My business generate close to 40k in credit and debit transaction per month that is not including cash transaction. As you can see that they do know I have more than needed to pay them off at any given time.

As for your assumption of my balance is increasing every month. This is not true. I do not carry a balance on any other cards of mine. Like I said I am only carrying a balance on this card is because it's still 0% interest.

Hope I made this clear.