Ok... so I left a .01 balance on my Walmart card. I was told I will still get a statement generated and it will still report as a $0 balance.
I just got my statement and here's the problem....
I try to pay the statement balance of $0.01 and I get the message "Please enter an amount of at least $ 1."
I try to pay an other amount of $1.00 and I get the message "The payment amount entered is larger than the current account balance. Please select or enter an amount equal to or lower than the Current Balance below."
Somehow I am not surprised... This is the only GE card I know of that doesn't generate a statement when you have a $0 balance and from what I've seen today their payment system is just as worthless as the reps at Credit Solutions.
I guess I need to go to the local Walmart store to make my minimum payment of $0.01.
I'm sorry but this situation makes me laugh. I work in software implementation and specifically, my focus is in the testing phase. I can totally see this situation coming up during testing and clearly hear the conversations between testing and dev about it. I'm sure testing pointed out the bug and thought it needed to be fixed and development said Nah, it won't happen. We don't need to fix it right now. we will get to it when we have time. This is a nice to have.
It's of no help to you; but given what I deal with on a daily basis it did make me chuckle.
@GooseGirl wrote:I'm sorry but this situation makes me laugh. I work in software implementation and specifically, my focus is in the testing phase. I can totally see this situation coming up during testing and clearly hear the conversations between testing and dev about it. I'm sure testing pointed out the bug and thought it needed to be fixed and development said Nah, it won't happen. We don't need to fix it right now. we will get to it when we have time. This is a nice to have.
It's of no help to you; but given what I deal with on a daily basis it did make me chuckle.
Yeah it's pretty hilarous. It's not a huge deal because I have to run over to the bank this morning and Walmart is next door... it's just the annoying factor of a bugged payment system on top of the fact they don't generate statements for a $0 balance. 
@tcbofade wrote:...and next time, maybe leave a $1 balance?
I was told by the people here that you can carry a sub $1 balance to still generate a statement and have it report $0.
As we can see from my payment attempt this morning though... anything from a $0.01 to a $0.99 balance would still lead to this broken payment attempt... A $1 balance may allow me to make the payment but it wouldn't report a $0 balance.
This happened to me with my Banana Republic card. I had a balance on $.98 and the system wouldn't let me pay it because of the $1.00 minimum, and when I tried to pay the $1.00 couldn't pay it because it exceeded the account balance. So I figured I'd try sending a payment from my bank to them via bill pay, and couldn't send the $.98 because there was also a $1.00 minimum for issuing payments.
Well to make a long story short, I called the automated system and had to add my account and routing number to their system and was able to pay it through the automated system. So I would try doing that since my Banana card is also issued by GE bank so it should work the same.
@core wrote:I run into this all the time too, and not just at GE. But I'm not sure I'd call it "broken". It costs them money for these transactions, and if they let people toss around 1cent payments they'd be losing money on all of them. Maybe they want you to use your bank's billpay so they don't eat the costs.
By the way, I'm not going to name names but some companies will just give you a credit to zero your balance in cases like this. So each month I leave the maximum amount on there that triggers the credit and pocket a little extra money each month. It all adds up.
Thanks for the tip... this has all been part of a FICO score experiment for me which is the reason I left this balance at one cent and have been letting accounts report $0.
The difference between 3 accounts reporting $0 and 3 reporting $10 was 10 points less than having 6 accounts reporting $0.
It all goes back to the "too many accounts reporting a balance" which is a favorite excuse of creditors... no matter how small the balance may be.
@waynes1982 wrote:This happened to me with my Banana Republic card. I had a balance on $.98 and the system wouldn't let me pay it because of the $1.00 minimum, and when I tried to pay the $1.00 couldn't pay it because it exceeded the account balance. So I figured I'd try sending a payment from my bank to them via bill pay, and couldn't send the $.98 because there was also a $1.00 minimum for issuing payments.
Well to make a long story short, I called the automated system and had to add my account and routing number to their system and was able to pay it through the automated system. So I would try doing that since my Banana card is also issued by GE bank so it should work the same.
Thanks for the tip.
