this reminds when some charage $143 to get Home phone service for people with bad crediton my wamucard Disputed and it got credit, few months latter I relized I never made a payment that cycle . turns out the credit was larger then final balance , so not only did credit keep my account current also saved my grace period at time the account was a double cycle account which ment the credit was applied to older balance which left the newer balance , which why it took so to noite I didn't make a payment, because it just like I had.
People say "Only apply for credit you NEED"
I say "apply for credit you have PRATICAL use of"
I don't have AMEX card because I don't want a card that suffers from PMS