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It is entirely possible to have a balance of $.37 if you pay it off completely, but not before they assess the interest.
When I say leave a balance, it doesn't matter if it is $292 or $192 or $.92. Just make sure that you leave a small amount on there, and use the card a little bit to bring the balance up again, like 20 bucks worth. This way, you minimize the interest (IMHO, wasted money).
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