I've never had an issue with a credit card, regardles of the closing date. Only becuase if your payments and credits equal your purchases you are ok. In other words; say I charge $100 sunglasses and $100 in groceries on my closing date, then the next day return the sunglasses. I receive a bill for $200 (it doesn't show the credit) then I pay $100 and they process a credit for $100 so the balance is 0 before the payment due date. There is no finance charge.
So really it's not when you purchase, but as long as your credit is processed before you payment is due (which it always is if you do a return a day or teo or even three later- but I came close with that high-end $1600 shop becuase the credit was issued via paypal after I fed-exed the credit slips for my return) you are fine. This is all assuming you have a credit card without a balance on it of course.
So really it's not when you purchase, but as long as your credit is processed before you payment is due (which it always is if you do a return a day or teo or even three later- but I came close with that high-end $1600 shop becuase the credit was issued via paypal after I fed-exed the credit slips for my return) you are fine. This is all assuming you have a credit card without a balance on it of course.