There are some hidden aspects. I had a credit company person explain to me (in an unguarded moment), their system of deciding whether you were a "transactor" or a regular payer. If you pay your bill right away, the company shortens your billing period by sending the bill out later, in relation to the "closing date." If you are the sort that carries a balance, they lengthen your period. In the first case, they realize they aren't going to make interest and other fees off of you, so they push to get the payment ASAP. In the second case, they figure …
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