Small balance write-off how small is small?

[Christina_xyt]

I received a bday card $10 from Victoria's secret and use it and extra 2.5 on my vs store card. Was going to pay after the statement date cos I wanted it to report since I rarely have a chance to use the card. Then I found zero balance on statement date.... Then I realize they write it off.. But 2.5$ isn't that small in my opinion....

So how small is small?

And discover will write off balance within how much?

[FinStar]

Most lenders have different "small" balance write-off guidelines.  And, not every lender will write them off.  So, an account can potentially generate a statement with something to the tune of ~$1.00

[Open123]

What?  

So, I can leave a balance of, say, $0.50 cents per account and have it written off?  I never realized this occurs.

[FinStar]

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@Open123 wrote:

What?  

So, I can leave a balance of, say, $0.50 cents per account and have it written off?  I never realized this occurs.

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Again, not every lender writes them off.  But if you prefer to be the guinea pig and test residual $0.50 cent balances to see which lender does or doesn't write them off, go for it.  This could help the OP.

[NRB525]

Not my Citi Diamond Preferred. I ended up with a library late fee of $0.10, decided to pay it with the Diamond Preferred, and the statement cut with 10 cents.

[NRB525]

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@FinStar wrote:

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@Open123 wrote:

What?  

So, I can leave a balance of, say, $0.50 cents per account and have it written off?  I never realized this occurs.

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Again, not every lender writes them off.  But if you prefer to be the guinea pig and test residual $0.50 cent balances to see which lender does or doesn't write them off, go for it.  This could help the OP.

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Yes, you can try to leave small balances on your CC statements to see what happens.

Another poster several months ago complained of AA from a bank, Discover I believe, and one of the behaviors that poster was engaging in with that bank was small balance transfers to the card that the CCC would proceed to write off. Multiple such small transfers over time. Perhaps not a direct link to the AA, and it would have to be a volume of such transfers, but it's one of those things that makes one go... O_o

[OmarGB9]

^i think when you engage in an unusual behavior like that you're just asking to be scrutinized.

[kdm31091]

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@NRB525 wrote:

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@FinStar wrote:

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@Open123 wrote:

What?  

So, I can leave a balance of, say, $0.50 cents per account and have it written off?  I never realized this occurs.

---

Again, not every lender writes them off.  But if you prefer to be the guinea pig and test residual $0.50 cent balances to see which lender does or doesn't write them off, go for it.  This could help the OP.

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Yes, you can try to leave small balances on your CC statements to see what happens.

Another poster several months ago complained of AA from a bank, Discover I believe, and one of the behaviors that poster was engaging in with that bank was small balance transfers to the card that the CCC would proceed to write off. Multiple such small transfers over time. Perhaps not a direct link to the AA, and it would have to be a volume of such transfers, but it's one of those things that makes one go... O_o

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Which is why I would not intentionally and repeatedly do this. It's such a small gain anyway. I mean is it really worth it?

[NRB525]

It depends on how much you value $2 I guess.

[Anonymous]

Just pay the balance since it is legitimately yours. Sometimes we play little games that come back to bite us not necessarily directly but somewhere else later like a trivial bill with a trivial balance that we never got or knew about. And then bam, our score drops a lot. The universe seems to have a way to balance things out if we play with our integrity, particularly over trivial stuff. Not saying you're doing that, but still.