[GNC] Scheduling Monthly Transactions for Full Credit Card Balances?

[David G. Pickett]

Having a payment added to the books might confuse you into failing to pay it.  I use a Google Sheet to remind me of statement close so I can schedule a payment, and even a subsequent prompt to verify I made the payment (sometimes I miss the last submit).  Yes there are calendar apps for this that can hound you, but I prefer a simple sheet of date sorted upcoming critical tasks.

Also, the calculation of a payment or interest may vary by bank, due to different minimums and different interest rounding.  My last bug fix at BofA was for a lost penny in transfer fees from floating point conversion followed by integer truncate.  I had to add in a tiny fraction to ensure the double to int conversion did not convert .9999 to 0, and the like!  Banks cannot round as they would exceed the published rate if rounding up a fee or interest.