If you have a card that allows advance payments... BILL DUE $100.00...YOU PAY $200.00...THE NEXT MONTHS BILL WILL SAY $0.00 MINIMUM DUE (ASSUMING YOU CHARGE NOTHING). If your bill is due 01/23/02 and you pay 01/02/02...all you save is interest... If you pay too early, you "MAY" get hit with a LATE FEE if it is credited to the prior months bill...