Anyway, there always seems to be a finance charge at month closing. So my closing statement has ~$4-8 of balance. How then can I take advantage of the 25 day grace period if my closing balance is never $0 because of finance charge which I couldn't pay online because it wasn't posted when I pay. Does this mean I would have to call the CC Co. and request to pay off the card before each statement closing? That would s**k because I hate to call and be put on hold. ??