Which credit cards will cancel your bill if it is small?

fidelity just worked for me.

3 Likes

Yup. Worked for my second Fidelity card. Will try my first card again next month.

1 Like

but my US Bank Visa doesn’t work. It was blocked by “Visa Verify” I believe.

1 Like

I haven’t tried yet, but can’t you use more than one source for reloading an Amazon gift card, i.e. $2.27 from the Novant (we’re extraordinary_idiots) class action + 2.73 (BoA, Chase CC, etc.)?

ETA: from all of the responses received since your first post, I presume you can’t use multiple sources of funding. :frowning:

But you should be able to use multiple payment sources/split tenders to buy a Amazon gift card at the grocery store (or wherever), although that’s quite the pain in the ass way to unload these cards.

1 Like

I figured out their phone number: Visa Secure at 866-253-1752. They can reset the block.

3 Likes

This is a new one, at least to me.

My Discover statement cycles on the 5th, which was a Sunday this month. I forgot, and scheduled my payment too late to beat the weekend. So my statement posted on the 5th with a balance, my payment posted on Monday the 6th leaving a $1.99 balance, and a $1.99 small balance credit also posted on the 6th to zero out the account even though the statement had already closed the previous day.

3 Likes

You’re missing $0.01 every month. :slight_smile:

I think the point is that he was supposed to miss a lot more than a penny this month, but Discover covered it anyway.

3 Likes

I understood that point. That’s a strange behavior which you cannot count on every month.

I just learned a trick that might be appreciated by anyone following this thread: when making income tax payments, end your payment amount on $x.50. This will round up to the next dollar on the tax return and could save you a few bucks a year if you make multiple estimated payments.

:money_mouth_face:

3 Likes

IRS actually tracks the payments at the cent-level. I had a refund a few years ago and wondered why it was a bit less and not whole dollars.

1 Like

Oh noes. You’re saying a random reddit poster led me astray?

You’re also alleging they double-check the returns before issuing refunds… I have doubts.

It’s not about checking the returns. What you have paid - your total tax = refund. IRS uses their number for “what you have paid”, not what you put in the tax software (which may be rounded up, or completely wrong).

1 Like

I’m pretty sure you have the option of rounding all your 1090 numbers to the nearest $1. That applies to reporting your estimated payments, etc, so I do think paying $100.50 will get you $101 credit towards your tax liability. Whether you can cut your tax bill in half by making thousands of estimated payments $0.50 at a time is left as an exercise for the overly ambitious individual.

PS don’t do that - it’s super annoying to have multiple tax payments and each time there’s a chance the IRS loses track of one of them and it’s annoying to make sure they are all properly credited to your tax account.

1 Like

Years ago I had a return held up because my calculated refund didn’t reconcile with the IRS calculation. Because my calculation was rounded. I had to call, and the rep quickly saw the issue and cleared the hold.

If I remember correctly it wasn’t just simple rounding. I had like withholding that was rounded up and estimated payments that were rounded up on my return, where those actual numbers added together then rounded off was a dollar less than what the two rounded numbers totaled.

2 Likes

You can definitely report in whole dollars, but that does not mean you’ll get credited that way. My refund example has already proven that. I was paying with $500 prepaid cards - the $2.xx fees, and TurboTax rounded the payments. After that experience, I make sure the total of quarterly payments end up with whole dollars, so TurboTax has no chance of rounding those payments.

April 7, 2025, I received a letter from the IRS.
We increased your refund! First of all I never expected any refund 2024.
Summary: Tax you owed. Tax withheld. Estimated tax payments. Other payments and credits.
Refund due. $46.00
They said I miscalculated my estimated tax penalty.
I have a fabulous tax man. Used him for 20 years. First time to get such a letter. But I’m wondering when or where I will receive this $46.00.

That check should be sent through the mail.

I was doing the tax for a relative, and the estimated tax penalty was $3. I just told TurboTax to skip it. I don’t think IRS will bill it for $3.

Did you have a tax penalty for insufficient 1040ES payments in 2024?