true when you have no facts to substantiate it. It you want to put money on it, I can prove my edited post if you still dispute it. My mistake was making it sound like that was standard processing which I am sure it is not, but mine is.

My VISA card is issued by a CU and the processing is as I described. I have had beginning and ending balances on my monthly statements, but never any interest charged ever because I always pay the balance to zero for at least one day within the billing cycle.