I remember reading in the terms of agreement that you have to have a balance to pay in every month. And I think you must pay more than minimum. If you don't have a balance, then you won't qualify for that quarter/3 month period for the $25.
1. buy a tablet for $400
2. bill comes, you pay $400 full balance for the statement period
3. purchase groceries for month 2.
4. pay full
5. pay for concert tickets
6. pay partial.
if you were to not spend anything in a certain month, i think you still qualify as long as you have a balance.
so if you were to pay partial for the first month of the quarter, let's say you paid half of the tablet you purchased, then purchase or spend nothing on the 2nd month. you can pay the rest of the $200 for the tablet (plus interest) on the 2nd month.
If you pay in full, or ever have one statement come in with a 0.00 balance. then you will not get the $25.
so if in one month you pay your whole balance in full, and the next month you purchase nothing. then you'll end up with a 0.00 balance. This will prevent you from having a balance and disqualify you for the $25 for that quarter.
I've been charging $5 on the card each month and paying just that at the end. I've gotten all my credits.
Well there will always be a subset of users who use it on $1 purchases every month. That adds up to losses for Bank of America if they are giving away $100 a year for people to spend less than $100 a year.
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