Thanks for the comments and suggestions. I understand that it’s a fake number but it is based on something and it is the only one I follow. I understand about reporting some balance and that should be happening in the future. My monthly ongoing charges (home phone and internet, internet here in theater, miscellaneous charges, recently paid auto insurance, Mom’s day flowers) on one card vary monthly between $200 and $700 and there is usually at least one or 2 charges between statement date and full payment so the balance is rarely zero.

I did make the mistake of paying more than the balance a couple of months ago (and thus having a credit balance for a few weeks) when I thought I might not have internet access for a couple of weeks and I didn’t want to risk missing a payment. That’s unlikely to happen again.

Thanks again.