Cell phones as Credit Cards
ante_up writes "We should have known this was coming. Business Week reported that Japanese carrier NTT DoCoMo Inc. (DCM ) is vamping up their cell phone technology. First they added a debit card facility and now are expanding to full credit card capability. What else can you add to a cell phone?"
What else can you add to a cell phone?
For starters, how about a little COMMON SENSE?
They must have hired a whole slew of geniuses to make that jump.
I dont know about you all, but I could use an electric razor in mine.
Every so often im at work screwing off and I realize that I missed a spot. it'd be great to go and touch it up.
"What does slashdotting mean?"
"You've never heard of slashdot?"
"I know it makes websites not work."
Don't take a picture of yourself in the mirror, or anybody who sees it can get your credit card number!
Pulp Audio Weekly - Geek News and Reviews
How about a corkscrew and bottle-opener.
Or an optical sensor on the bottom so it can be used as a mouse.
"What else can you add to a cell phone?"
Wouldn't surprise me to see an automatic tampon remover....
B.
This is a sig. This is only a sig. Had this been an actual sig you would have been informed where to tune for more sigs.
Basically, it was a system to use giant limestone wheels from the island of Yap as credit cards. The giant wheels are difficult to counterfeit, and therefore will prevent theft through credit card fraud. These will be called credit rocks, rather than credit cards, and will take a crane to move, but many retailers believe that it will provide consumers with the added convenience that because the stones will be so difficult to move, they won't charge as much on their credit rocks as they do on their credit cards, and therefore we will have fewer people in debt.
Thanks for fixing the dupe samzenpus.
"Orthodoxy means not thinking--not needing to think. Orthodoxy is unconsciousness." --Eric Blair
I demand a portable sink attached to my phone. Wouldn't make it that much bulkier either. And as another plus it wouldn't affect battery life.
Philosophy.
Credit cards are blight on our society, people think that it's "free money" and don't check their spending habits until it is FAR too late.
Lets make it HARDER to use a credit card, not easier, before it collapses our economy.
Statesmen serve to better the country and help the people.
Politicians serve to better themselves and help friends.
Yeah, yeah....buy a better phone. BS. The tech for reasonably clear sound is trivial. Clean audio should be a base model feature.
What else can you add to a cell phone?
Do you really want to know? Oh wait, this is /. You're gonna find out whether you want to or not.
It must be Windows. It needs half a gig of RAM and a hardware-accelerated graphics card just to run Solitaire.
For years I've said I just want a fucking phone. I've changed my mind. If it makes me food, I'll buy it.
Carbonated Meat Dispenser!
-- I'm not a pessimist, I'm a realist. It's not my fault that life sucks so much. --
whatever happened to the good ol days when a phone was just a phone? I'll bet if they took all the extra crap out they could make the standard size of a cell phone that of the Moto Razr...
how about automatic /. FP!
do you have shinyfeet?
How about using cell phones as entry tickets to a Cricket match. From TFA:
The first match of the India-Australia cricket Test series in Bangalore next month will have hi-tech ticketing with the launch of 'Mobile-Ticketing,' a new service that enables cricket fans across the world to book the tickets online. But thats half the fun, since the tickets would be delivered directly to their mobile phones. the service is managed by Spice . The service delives the ticket as a special barcode which can then be scanned by a barcode reader. Sounds simple. Wired reported a similar story a while back.
More details here.
An Indian-American Hindu committed to non-violent thought/speech/action alarmed by the global explosion of radical Islam
Oh my god, this already exists in Spain: Mobipay, Paybox. Little success, by the way.
It'd be great, esp since you could easily type in your PIN (or better yet, vendor generated one-time tranasaction offset + PIN) and even authenticate more securely.
Make sure everyone's vote counts: Verified Voting
I discovered an awesome feature on my phone, in between the text messaging and e-mail and bluetooth and credit card and camera. It gives me the ability to hold a multimedia (voice only) conversation with another person. All I have to do is punch in some kind of locator code (similar to an IP address), and I can actually *speak* to the person.
It's amazing all of the nifty things they can pack into cell phones these days.
Personally, I'd like my cell to produce a stronger vibration when it rings in vibrate mode so I, um, can detect my incoming calls easier by the the greater, er, um...sensation.
Talk to me when they start including cell phones in my credit cards, now that will be interesting. Sir, this is your wallet, you haven't paid your bill yet.
Diplomacy is the art of saying, 'Nice doggie!' till you can find a rock.-- Wynn Catlin
What else can you add to a cell phone?
I would like to see high-powered plastic explosives added to cell phones. That way when someone is being obnoxious on their phone in a public place, I can hit a button on my phone that will cause their phone to explode.
Moderator hint: a comment is neither "Flamebait" nor "Troll" if it is true.
"I'm here, i've got everything you'll ever need to cripple me financially, rob me now!"
I'll keep my black-and-white screened text message and voice-only phone thank you. I'm happy if a thief says "What a crap phone" and doesn't want to nick it.
A cellphone with a solar panel on one side would be a nice replacement for a battery. Leaving it on your dashboard would be a good place to get a charge. Environmentally friendly and convenient in most places.
When I was in the Marines, I was in some frozen country in northern England for about two weeks. I stayed pretty drunk the whole time as the beer there was far better than in the U.S. What I do remember is that cell phones worked on everything. Wanted to pay at McDonalds, ring up a number on the cell phone. Need a coke from the machine, ring up a number on the cell phone. A short hairy guy in a furry coat explained that they had one nationalized cell phone company, so it was easy to make a standard that everyone had to follow. In other countries, with competing cell phone companies, you can't get them to all agree on a standard for transactions.
The problem is that I hit well over 10 countries in three months at that time, so I have no clue where I was. I'm left wondering if I was just drunk enough to imagine that everyone was paying for stuff with their cell phones.
The previous comment is purposely vague and generalized, but all of the facts are completely true.
What else can you add to a cell phone?
You know, people are making a lot of jokes about adding physical components to cell phones - electric razors, can openers, etc. - but I think that what would be ideal is if I could have everything physical I needed in one pocket - like a souped-up version of a Swiss Army knife - and everything informational I needed in the other pocket.
Ideally, one day we'll carry a small "wallet PC" that acts as both a cell phone and a computer in general, and is a complete replacement for everything one might find in the wallet.
And, even more ideally, the Swiss will finally integrate a small light saber onto their knives.
"Beware he who would deny you access to information, for in his heart he deems himself your master."
Uhhhh.. Am I the only one who finds this supremely stupid?
Don't.
Even.
Go.
There.
Mode (3) smart-aleck mode. Press * to return to main menu.
keyless entry would be great, than i could leave my house, with no keys or wallet, just my phone!
for the corporations that's it : More ways to make people spend money = good thing.
Mode (3) smart-aleck mode. Press * to return to main menu.
Japanese credit is out of hand... Honestly they dont want or need it.. Although they are advertising Jcredit all over the place.. Sadly Im mostly illiterate so I dont fully understand the ads, but I did see the interest ammount! Tottaly INSANE!
I can't believe it's taken this long for telcos to handle purchase transactions. I want my "phone" to show me cryptosigned invoices with OK/CANCEL buttons, putting them in my local database and the one at their server. They should bill me against my phone bill, and I should be able to download my bill into my spreadsheet to check it against my local database, and ask questions about my buying patterns. This would be much more convenient for me than carrying my credit "card" also, which is about the only reason I even carry a separate wallet. And it would be better for the credit company and vendors - how harsh a threat is cutting off my credit card for nonpayment, vs. cutting off my phone?
Now I'll just wait for my mailbox to fill up with "preapproved" mobile phones.
--
make install -not war
If you could have a clear call, on the base model, people wouldn't move up. Not as many, anyways.
Pretty Pictures!
I'm sure others have said it - just put a hard drive in it!! (and a USB port)
Now you'll nver get them to stop calling you for late payments!
The eternal struggle of good vs. evil begins within one's self.
Actually I have used cell phone with buildin IC card base e-cash to buy breakfirst this morning. NTT docomo has relased last year. There are huge install base (more than ten million)
e-cash system is called EDY which has same technology base as Octopus.
When you buy Cell-phone with e-Cash, Java application to control is preloaded.
You just need activate it and ask store value at anyplace who has EDY terminal. You can also check how much you have through Java application. It's one of the advacntage over real plain IC card.
Another adavatage is by adding Japa application, it can handle more than one payment system. NTT docomo is in talk with them very long time. If they succeeded, I will have cell phone with e-cash, credit cards and metro path.
Or maybe it could just display the barcode on the screen... Hmmm.
Any sect, cult, or religion will legislate its creed into law if it acquires the political power to do so.
Clear sound doesn't sell cell phones. Features do. That and geek-chic appeal.
0 050531 0 050601
These recent comics pretty much sum it up:
http://seattlepi.nwsource.com/fun/zits.asp?date=2
http://seattlepi.nwsource.com/fun/zits.asp?date=2
It's not that sound quality isn't important -- it's just that most people don't even *think* of it when they're comparing phones!
Does it look cool? Check. Bluetooth? Check. Games? Check. Web access? Check. SMS? Check.
I'll take it!
Oh my god, this already exists in Spain: Mobipay, Paybox. Little success, by the way.
Yep, and people have been doing it for YEARS in Scandinavia
I second this.
I especially hate the fact that cell phone companies are ignoring sound quality in favor of adding BS gimmicks to sell their phones.
My friends mock my now discontinued and somewhat bulky Motorola Timeport. When I explain that I like the almost crystal clear sound and very readable green-on-black display I get dumb stares in return. Go figure.
its on goats somewhere.... trust me!
I know the people in the northern United States will appreciate this one... of course there must be the technology in the car, but how about remote start/keyless entry built in?.. that way you can call work and tell them you'll be late, at the same time starting the vehicle in the snow covered driveway from the warmth of your living room.... One other thought came from my friend... how about working more on that teleporter technology? Put a locator in the phone that will "beam" you anywhere on the nationwide network... Sucks for those people on area wide plans... "transport anywhere in the nation from the tri-state area!"
Sniper's Motto: One shot, One kill- If you run, you'll only die tired.
And a key ring.
That way when it gets stolen, the thief has everything he needs, and not just my money.
We do not live in the 21st century. We live in the 20 second century.
Swiss Army Knifes. I mean it. I won't be happy until I can prepare dinner with my cellphone and a fire. We'll be like regular cave men.
the toothpaste is frozen
I'm so glad somebody implemented this. It was simply getting waaaay too cumbersome to carry around my cell phone and my credit card at the same time!
I think when these things came out they were supposed to be phones. Since they haven't got that part yet, I think they should keep working on the whole "dropped calls" problem. My cell phone doesn't need to be a toaster, it just needs to be a reliable cell phone.
I've been waiting for *years* for a cell phone manufacturer to do the OBVIOUS and add a remote control function to a cell phone. Surely this happened 5 years ago, and I've just been missing them ever since, right? The keypad is aleady there! How much can an IR LED add to the cost of the cellphone?
I've always got my cellphone with me, but I'm always trying to figure out where I left the remote. Plus, I'd never need to buy obscure AAA batteries for the darn remote again, 'cause the cell phone's battery is rechargeable!
Whoever designed level 61 in Frozen Bubble is a sadistic bastard.
What else can you add to a cell phone?" A Xboxstatiolution 900?
Well, adding laser pointers to cellphones would combine the two most-irritating things about going to a movie, so, that's a good option. Perhaps a ringtone of a baby crying could be the third. And then speakerphone capability on ALL cellphones. Yes, the Axis of Annoyance(tm)!
Lessee...how about a tazer? That'd be useful for dealing with members of the Axis of Annoyance(tm). Blood sugar monitor for diabetics (though I think at least one Korean phone already has that).
What I'd _really_ like to see is the ability to make a phone go into vibrate-only mode, and make it legal in the U.S. to do so (cellphone jammers are apparently illegal here, I think). That way you wouldn't have to turn them OFF in a theatre or restaurant; it gets done FOR you. Oh yeah, that would be my #1 feature, for sure. Even more than improved call quality.
Have every once of credit you have screwed because some guy was sitting around scanning the cell bands.
The world's burning. Moped Jesus spotted on I50. Details at 11.
How far we've fallen in deference to the marketing gods
Remember the Sprint(?) ads? "So clear, you can hear a pin drop." (not necessarily true, but at least they tried)
In the future, the quip "It has everything except the kitchen sink" will become obsolete because everyone will have one on their cell phone.
What else can you add to a cell phone?
Is this a challenge to Slashdot readers? hehe..
Pat
Convergence in this area is something i have been expecting for a while now. The SIM in my phone has more capcity than my credit card, and I do not see why I need to carry a swag of plastic shards. We've already seen phone accounts being used for credit; call the vending machine and have the purchase added to you next phone bill. The phone companies already have the infrastructure to track and manage many small transactions.
"Everything is adjustable, provided you have the right tools"
a small explosive device, to start with. then move to a larger explosive device.
I would love to have fully programmable IR in my phone. Beam device setup info (and address book) from a computer, and be able to control my home theater.
It doesn't need to be a camera or PDA, but a decent calendar, to do list, and remote would be nice.
Add a dildo and the ability for it to take a sh!t for me and I'll have the perfect cell phone.
Anyone else miss the days when a phone was just a phone?
Anonymous Cowards generally receive no replies because you're a coward and I'm a bitch
A heads-up display adaptor, several gig of storage, and full computing, media, GPS and Internet functionality with voice command.
Of course a few years later, the neural implants will make all this primitive stuff obsolete, anyway.
The meaning of your Life is up to you. Mean well. -- Me, 9/11/2001
"... What else can you add to a cell phone?"
How about the ability to complete a phone call?
About a year ago, I upgraded my ancient Startac to the latest model offered by Verizon. I quickly discovered two locations in my town where the new phone failed to place a call, yet the Startac manages to do so. I visit these two places often, so I returned the new phone. I am using the Startac again.
I asked several Verizon reps which of their phones offers the best RF performance. Each rep stated that all of the new phones are the same.
I cannot accept that a shitty camera and an irritating ringtone are more important features than a good radio.
What else can you add to a cell phone?
A tactical nuclear device?
The higher the technology, the sharper that two-edged sword.
...a finite improbability generator, so that people with cell phones in theaters and restaurants can be really annoying?
I figure by 2030 or so my 6-digit UID will be something to brag about.
Of course, it would need some serious DRM.
Maybe it's too much to expect this to be built into a phone, but I'll bet they could make it in a package that would fit a DIN-size car stereo location. That would be nearly as convenient.
How about a continuous vibration mode? :)
---- I'll take you in a Hunt deathmatch any day.
Like any business idea, the first question should always be, "What itch does this business scratch"? And honestly, I can't figure this out. A credit card is a tiny size of a cell phone, and actually, you don't even need a physical card to use one. They're already universally accepted. So could this *possibly* be any small kind of improvement that would make it a viable product?
I don't think a cell phone will be complete without cheese.
chris at darkrock dot co dot uk
http colon slash slash www dot darkrock dot co dot uk
And that would be... Paris Hilton :-) She's gotta have one of those uber-platinum cards... Hello thinkgeek.com!
Breasts?
I know I wasn't the only one thinking it.
Bank: Hello, Ms. Hilton? This is megabank. I'm calling because of some very unusual credit card activity. I see a $1,400 purchase from something called "thinkgeek". According to our records, for the last five years all of your purchases have been from liquor stores and trashy lingerie shops. Did you make the purchase from this "thinkgeek"?
Paris: Wha f*ck b*tch motherf*cker who? I can buy (hic) and sell you b*tch
Bank: Thank you Ms. Hilton. We'll cancel the charge immediatly.
The Internet is generally stupid
I'd personally like to see projectile weapons mixed into my cell phones. It's annoying to have to carry a cell phone and a hefty hand gun. I'd rather have it all in one, you know? I'm a man of convenience.
How would that effect my geek cred, though?
This forum Sig is licensed under the LGPL.
i've been watching for this to happen for a while now. i worked for a company that wanted to do this several years ago. the technology has been around to handle this on the phone side for a while now. the problem has always been finding a way to integrate it with the millions of existing POS terminals already out there, which we eventually gave up on. it looks like i was right back then- rather than trying to figure out how to work with the existing systems, this was going to have to wait until somebody with big enough pockets to roll out all new POS terminals got involved. i suspect that it will be wuite a while before this is available here in the US- the cost involved in rolling out new POS terminals across the country here would be ginormous.
If I don't put anything here, will anyone recognize me anymore?
I don't want to concentrate all my life on a single device. Too many bad things can happen...
- Forget it at home
- Get robbed
- Batteries go dead
- Break
Things like credit and debit cards, keys and passwords, must be placed on reliable, fail-safe, places. Magnetic cards and Smart cards are good choices... a cellphone is not!
---- You know how some doctors have the Messiah complex - they need to save the world? You've got the "Rubik's" complex
This would accord with the habits of so many users!
Funny you should say that. Cell phones have the capacity to carry electronic cash. The sim card has more than enough security-related stuff to do it.
It would work something like this:
-Dial a number, machine voice asks you to enter the amount you want loaded onto the phone.
-Punch 20 for $20.00 machine voice confirms $20 and asks for PIN. $20 is now "on" your cell phone.
-A payments back-end handles the messy transaction clearing with the bank.
Merchant Transaction:
-Each merchant has their own phone number to call to make a transaction. Clerk enters your phone number hits "ok".
-Server waits for you to dial in. Can authenticate your phone well because of the SIM capabilities.
-Checks balance, verifies payment amount and asks for PIN.
-Deducts what the merchant's POS requests.
Basically takes the same payments backend as itunes. No Visa/Mastercard necessary, but you still have to get on the bank's transaction clearing.
There's POS -software- integration, but you would start with the big, centralized POS retailers who can pull this off. No POS hardware changes anyway.
I can't believe I'm the first one to think of this though. The idiots at Cingular, T-Mobile are too big and slow to see how close they are to a fscking gold-mine. I wonder if anyone can tell me if it's possible to do it without some cooperation from them. (needs crypto)
http://www.maxineudall.com/2010/02/should-economists-be-sued-for-malpractice.html
"What else can you add to a cell phone?"
A Vibrator.... Oh wait...
Vodafone in New Zealand has a program called TXT-a-Park that allows Kiwis to pay parking meters with a cell phone. Although there is a 50 cent surcharge, it's useful if you don't have change.
there isn't enough incentive for people to mug cell phone users now.
perhaps they can include a mini-mace dispenser or a sharp pointy object. or an ear piercing alarm that can only be turned off with a personal code (though they can always disassemble the batteries... perhaps if the batteries aren't easily replaced).
Science : Proprietary , Knowledge : Open Source
... for when you walk into a structure intentionally shielded against cell phone communications. (I don't have a cellphone, as a true nerd I don't feel the need to talk to people that much) Just so you'll know what to do if you need to use a phone real fast...
/. in messages...
It seems I've been in this thread before. Actually I'm sure I've made this same point before. Is there a dejaslashdot.com? I know, search
Well it might be illigal to jam cell phones in your cinema or theatre, but no-one said anything about fitting wire mesh in stratigic parts of the walls..
That would include... well, should I really be telling anyone how to make a Faraday shield, considering...
Someone really should start up a business doing that.
considering the possible liability? IANAL but I wouldn't want to do that (it seems it could be legally similar enough to jamming, in spite of the fact that nothing is transmitted), to (Dramatic Enactment follows) have a movie showing be interrupted by a screaming woman saying "HELP! DOES ANYONE HAVE A CELL PHONE? My husband is having a HEART ATTACK and my GODDAMN CELL PHONE DOESN'T WORK!" Time could be lost before figuring out that NO cell phone works in the theater and the management figures out to call for help. The movie showing gets ruined for everyone.
Tag lost or not installed.
This has been going on, in a sense, in China for a while. There, many cellphones (e.g. those on the Shenzhouxing and Donggan-Didai plans, and maybe the Quanqiutong plan as well) work by means of pre-paid cards; you can order things online, pay for QQ membership, or join websites by inputting your cellphone number and allowing them to debit your phone balance for the amount.
This doesn't apply as much to NTT DoCoMo, but in general more features are not what cell phones need (though they're all fine and good).
The real thing cell phones need is interface designers for their software. I have to click at least half a dozen buttons and wait for my phone to connect to the internet to get anywhere near sending an email.
With my Japanese phone (from AU by KDDI) one button got me into my email menu, instantly. If I didn't want to type in an address I could select someone from my address book incredibly easily, or I could find them in my address book first (also just one click from anywhere!) and then click to email them.
Compare that to my Sprint PCS phone--Menu, Web (wait 10 seconds to connect) Messaging (wait to load) Email (wait) PCS Mail (wait) New Message (wait) before I can even start typing anything in. Terrible!
Not to even mention the disgustingly old phones they're pawning off on us here in the US. I was looking at a new Sony Ericsson thinking "gee, this isn't bad, it's about the same phone I got for free with my service in Japan" (this was about 8 months earlier. only $30 cancellation fee, btw, so you can't say that they pay for the expensive phones by locking you in to the service). Then I realized it was being sold for FOUR HUNDRED US DOLLARS. It's absurd!
SELECT quote.text AS sig FROM quote NATURAL JOIN attribute WHERE attribute.description = 'witty';
0 rows returned
With all these features cramped into 1 device (you can't really call it a phone anymore), you lose 20 gadgets, and now also your creditcard and debitcard, when it gets stolen/lost/broken. Not so smart(phone).
Also... do these things still have the ability to ehmm... just call someone?
I wonder what proportion of /. readers are carrying SecurIDs or some other OTP token for two-factor authentication (2FA) at work? At least in Japan, NTT DoCoMo i-appi phones have had SecurID token-emulation software available for a couple of years.
(This is the same one-time password (OTP) app that RSA offers in the US and elsewhere for PDAs, Blackberries, and various Ericsson and Nokia mobile phones.)
2FA, like everything else, comes packaged in incrimentally stronger or weaker form-factors. "Soft-tokens" are at one end of the 2FA spectrum, since they rely upon the token-holder for physical and virtual security, while sealed tamper-resistant hardware tokens are at the other. It seems entirely possible to more securely engineer the 2FA code into the phone's internal (GSM?) chip, merging the convenience of phone-based 2FA with the security of tamper-resistant hardware. (I noticed that the guys at the DoCoMo US Labs carry SecurID hardware fobs -- which is probably appropriate, given the resources they protect -- but many of us could safely switch to phone-hosted OTP tokens, even now.)
One of the FAQs on the DoCoMO Labs website offered an extraordinary vision in its description of the company's R&D:
"DoCoMo aims to strengthen people's five physical senses and expand their activities by coordinating data that is collected from information sources located everywhere, including a person's own body, and connected 24 hours a day to a network. DoCoMo R&D goes beyond the boundaries of a mobile operator to include such areas as multi-sensory communications, alter-ego interface technology, bio authentication technology, agent technology, super reality communications technology, and sensor network technology. By the acquisition of limitless knowledge, DoCoMo aims to lay a path for realizing a prosperous world."
A phone for five senses?! Now that's an expansive baseline! For those enchanted by the vision, Wiley just published the DoCoMo US Labs's first book. For $120, you can plumb the depths of DoCoMo's R&D in, "Next Generation Mobile Systems: 3G & Beyond," edited by Minoru Etoh.
In the form of Moneta...
http://it.slashdot.org/article.pl?sid=04/11/03/225 7205&tid=100&tid=218
http://timyang.com/
so how does it exactly work? is there a magnetic strip on the cellfone itself? is there an RFID tag which the stores have a system to scan it with? or is there a totally new system such that you can beam the credit card info to the system, or give the clerk your cell fone # and you can enter a pin of some sort.
also, can i use any credit card, or only the credit provided by my cell phone company? i mean, i'd rather carry my 5% rewards card, than to carry less cards.
HD Trailers
"And look at this... A cheese grater!"
In C++, friends can touch each others private parts.
I prefer using a credit card over a debit card because I get to use the credit card co's money for (up to) 30 days. With a debit card, the transaction is immediate. I'd rather earn a little interest on my money before handing it over.
As someone with many years of experience in credit card direct marketing, my eyes used to glisten every time a sentiment such as the one above is expressed. Just as one lottery winner makes it easy to sell lots of lottery tickets to the general population, your story is great for selling plastic to the masses.
Many (most?) credit card companies depend that
o you don't pay attention to their changing fine print periodically tossed out with other junk mail
o as a fallible human, you will eventually pay a bill late
o or that a payment will take too long to get through the postal system
Not today, not tomorrow, but eventually the day comes and
A late payment translates to
o BAM!: late fees of between $20 and $70
then
o BAM!: your no-fee free annual membership now costs $50
then
o BAM!: your low teaser interest rate shoots from 6.99% to 24.99%
and
o BAM!: All of your "savings" by using the float are wiped out as you spend your time (and what is that worth) to surf the web for a better card, apply, and then eventually deal with moving any automatic payments you may have to the new card. (Look at all the pr0n surfing time you lose!)
Yes, I have a "points" card to earn those benefits, (just got back from a trip to Australia...now those are miles that add up), but in addition to maintaining a zero balance, I also send out a small payment on the first of every month to make sure (a) the credit card company NEVER has me noted as a late payor and (b) the statement that arrives comes with a small credit balance.
Loss of float you say? Pay $50 at the beginning of the month that they have use of for 2 weeks out of the month. Your loss of interest (at 5% annually ) is $1.25 PER YEAR.
Live Long and Prosper - Thanks Leonard. You are missed.
The other party actually has to respond.