FYI: Not sure if this was ever mentioned on any thread, but if your not someone who uses your discover card often and come across months which you have a $0 balance at closing, try this: If your purchases total less than $2, discover writes off that balance, but still prints a statement. I've done this for about a year now. I don't really use my card so just purchase stamps or amazon credit each month and get them for free! (statement must close with less than $2 for this to work)