So i told her i'll just pay off my cards and let them idle until that time comes. She said, "Thats fine, you know our policy is that it doesn't matter if you carry a balance or pay off in full, its all about the number of statement cycles. If you pay it off this month and let is sit for 2 more months, you're in the same boat as someone who pays a portion of their balance every month." hmm. Interesting. could just be bs. The retention lady was very nice. I guess i was pushing my luck since i just got some goodies from cap 1 retention last month. I'll call them back again next month, to hear the same story i suppose.