So, every time I make a payment toward my credit line, the exact amount I pay becomes available to spend. Being a broke individual who lives paycheck to paycheck I use the entire available credit to purchase various necessities. The interest never comes due until several weeks after my available credit has been used up. The thing is, instead of the interest charge pushing me over my credit limit it simply increases my credit line. Month to month my credit line grows as I continue to use my monthly payments worth of credit. When Bill Me Later first went online I was approved for a $500 credit line, now my credit line (and balance) is around $1300. I have very literally never "paid" a penny in interest in all these years, it has all just been tacked on to my running balance. Seems odd. Not a big deal, if this ever stops then my monthly payment will start to make a dent in the balance. I just wondered what everyone thought about it.
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