USAA rate advantage minimum due during 0%

Anonymous · ‎01-12-2019

Still havent had a minimum due on my rate advantage card from usaa. Ive only had it about 6 weeks though. I have already made some payments on it, however, is there no minimum due during the 0 percent apr period?

NRB525 · ‎01-12-2019

Have you gotten a statement in the mail?

Do you see statements on-line on the account?

6 weeks is a long time to go with no statement at all. Keep paying like you are, so you don't get slammed with some mistake where they say they sent you statements and you never saw them.

And call them on Monday to ask whether statements have been mailed. When you do call, they will say "Yes, we mailed the statement Friday". That's always how it works... when you want someone to show up for a meeting, have someone get up to go find them and the person will be walking into the room.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

UncleB · ‎01-12-2019

If you've received a bill you can check the fine print... if you've been paying ahead it will tell you how far ahead you are.

You can also call them to have this feature turned off if you want. I personally like it; I always PIF so even with a balance due my minimum payment is usually $0 but I like having the option to 'skip' in case something were to come up.

(I've edited your thread title to add 'USAA' since some members might not be familiar with the Rate Advantage product otherwise.)