How are people gaming this? Instead of PIF, you PIF minus 98 cents every other month?
And how do you know when it’s cancelled? Is it cancelled at statement closing? Or after the due date? I’d hate to get dinged on my credit report trying to game 98 cents.
If it’s cancelled at statement closing, then I imagine the trick would be to pay before statement closing for full amount less 98 cents and then the statement closes at $0?
Or if its cancelled past statement closing, how do you know you’re not getting dinged with late fees and past due on your credit report?