Payment due on credit cards with sub $1 balances?

[Anonymous]

I have a couple credit cards which have balances under $1 and none of them will let you make a payment for less than $1 so I am wondering when a statement is cut am I going to have a minimum payment due that I can't even pay or is there a minimum required balance for a payment to be due on the account?  I'm slightly confused about this because I'm wondering if I need to charge a few bucks to these cards so I can pay them lol.

My overstock card has a .76 balance, one of my Mastercards has a .50 balance (used it to verify my identity, hence the stupidly small charge) and I then afterwards realized I couldn't pay a payment because my balance was too low, just curious... would seem kind of ridiculous if I had to go out and buy a candy bar to pay my bill.

[jeffery581]

Use your banks online bill pay or mail a a check.

[Anonymous]

Never thought to try the bank's online bill pay (never used it before) and in my 35 years I've also never written a check, I grew up in the age of doing everything online but thanks for the suggestions (I don't even have checks lol) but I might try the online bill pay, or just get my balance over $1 if that's easier.

I have yet to actually see if they're even going to say a payment is due though, that's kind of what I was curious about too.

[Anonymous]

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@Anonymous wrote:

Never thought to try the bank's online bill pay (never used it before) and in my 35 years I've also never written a check, I grew up in the age of doing everything online but thanks for the suggestions (I don't even have checks lol) but I might try the online bill pay, or just get my balance over $1 if that's easier.

I have yet to actually see if they're even going to say a payment is due though, that's kind of what I was curious about too.

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They are going to say a payment is due even if it is a cent.  So I do as the other poster above suggested.

[elim]

run to the corner and get gas, milk, whatever, and pay in a few days.  

my CC's usually withdraw the test deposits to make a 0 balance.      I just added new account to 12 cc's and auto today.    here we go again.

[Loquat]

I've had a balance on CapOne before that was under a buck and they removed it.  I don't know if that is a standard procedure but for me the balance was zero'd out...again YMMV. 

[Anonymous]

Thanks for all the responses, I could just wait and see of course but I keep a file with all my CC info (payment dates, balances, etc.) and I want to have these in the "no balance" category so I don't need to watch them as closely... guess I should just do the bank billpay and make sure so I don't have to think about it, setting up auto pay sounds like a great idea too I don't normally use stuff like that.

[Anonymous]

Some issuers, notably Cap One, barclay, Usbank and discover, will write off a small balance. I make a habit of it. Otherwise you will have to pay it. My experience with bank billpay is that they don't allow under $1 payments either. If you have autopay set up through the card site it will pay the exact amount even if under $1. If all else fails you'll either have to spend more now or overpay and use up the extra credit in a future cycle.

Chris.

[Callandra]

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@Anonymous wrote:

Never thought to try the bank's online bill pay (never used it before) and in my 35 years I've also never written a check, I grew up in the age of doing everything online but thanks for the suggestions (I don't even have checks lol) but I might try the online bill pay, or just get my balance over $1 if that's easier.

I have yet to actually see if they're even going to say a payment is due though, that's kind of what I was curious about too.

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Wow, I'm several years younger than you and I've written plenty of checks (and I have checks )! 

I agree with Chris -- for such low balances, the banks will most likely write it off. It probably costs more to process a payment. 

[Anonymous]

Will it let you overpay? Do that and either keep the credit balance on the card or request a refund check. These usually get sent automatically after 90 days.