Darren New wrote:

> 
>> 'You mean I can't keep a positive balance on my credit card so as to 
>> avoid a service charge?'
> 
> 
> No.  It's a credit card. (At least in the USA. IANAL.)
> 

Yeah I guess.  But that's the reason?  Since it's called a credit card 
account I can't keep a positive balance as a buffer?  Their system seems 
to be able to handle it, it expresses it as a negative amount owed, but 
is programmed not to allow it.  I know banks are subject to arcane and 
sometimes surprising rules.  I also know that they can seem pretty 
sleasy and its hard to decide which is which sometimes.  While I used 
their phone menu system to inquire about this I was absolutely bombarded 
with sales solicitations every step of the way.
"to hear about our ... product press 7
"to hear about our ... product press 8
"to hold for a representative press 9




> 
> Don't you have a grace period in which to pay charges to the card? 


I don't know, I assume so after reading these responses, I don't really 
understand all the details, that's why I thought a +ve balance would 
just be simpler.

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