LOL. Same thing happened to me. I wasn't paying attention to the fact that my statement closed less than a week after I got my card...Plus I was trying to rush to get in my $5k on new Serve acct. I had $3k pending and "guessed" that $1k would post by statement date. When I first paid, I had a $1000 balance but sure enough, $1k posted on the statement day. Balance = $0.