So, I have a little-used Capitol One credit card...a Visa, I think.

Before the income tax refunds arrived, I took advantage of a no-fees cash advance from Capitol One, which came with some low interest rate, like 5%. I only needed the money ($1200) for about 2 weeks.

Anyway, before the bill came, I paid it electronically, but I paid $1202.35, to include a rough approximation of the interest that should be due.

Imagine my surprise to get the latest bill now showing a credit of $2.35....meaning that I avoided paying ANY interest.

What a great deal!

Helpful hint to get the credit balance back: use the credit card to buy gasoline, stopping the pump exactly at $2.35.