I've had the same sort of experience as bobbornstein, but with the further caveat that I never know from month to month whether it will actually close on the 11th or the 12th. I'm wondering if it might have something to do with what day of the week the 11th is, but as I don't plan to charge anything today, I guess I won't find out for some time yet.

(I have the same situation as PresRDC in that I want to charge my federal taxes but don't want them on the April bill, so I have to wait until tomorrow to be safe.)