<prompt> Human: To those who dont know Dave Ramsey, he advocates against the use of credit cards.I was one of those who said that credit cards are not a problem if I pay off my monthly balance in full every month.So I went and got my first credit card to get travel points. I already had saved up the money to buy the items so I thought I was going to beat the system and get my points.The first billing cycle was July 15 to August 15. I spent 339.00 during that period, ending on August 15th. That means I have a grace period of 25 days after that to pay the balance in full, on September 9th.I went to pay the amount due for the July 15-August 15 billing cycle, yesterday. I remember that I had spent 339.00, and intended to pay that full amount off.But I was only given 3 options.1. A minimum payment of 35.00.2. A payment of 305.00.3. Other amount.I was not given the option to pay the 339.00 at all. This is the amount that I spent during the last billing cycle and what I would have to pay off in full if I wanted to avoid interest accruing.I went and reviewed the statement I received on August 16th, the day after my billing cycle ended, it stated 339.00. I reviewed the email statement I received 3 days ago, it said 339.00. I had checked the receipts for both purchases, one for 311 and one around 28 dollars. I definitely spent 339.00 before the billing cycle ended.If I did not closely keep track of what I spent, I would have just paid 305.00 thinking that was all that was owed and I would have accrued interest on the deficit and all the new purchases I have made after August 15th.Im starting to see that Dave Ramsey was right. Even for those who are responsible and pay the amount in full every month, the banks try deceptive ways to trick us into not doing so, because that way they dont make money!x200B;x200B;x200B;x200B;x200B;x200B;Assistant: Did you look at your statement? Your statement balance was likely 305, not 339. The last 25 you probably charged at the very end of your statement period, but didnt post until after the statement closed, and so will be on the next statement. You only have to pay the statement balance in full by the due date every month, not every charge you made in the billing cycle if some of those charges didnt post to that statement.There is no way to being financially responsible with a credit cardMany people are financially responsible with their credit cards. I have 7 cards and pay the statement balance in full every month on every card I use, and I dont pay any interest.Human: Nope, I checked the statement I received the day after the billing cycle closed on August 15th, it was 339.00.And I went back and looked at the two receipts I bought during that cycle, One was a flight for 311.74 and the other was a for 28 for a pass. I definitely spent 339.00 before that billing cycle ended. I even got an email statement balance of 339.00 about 3 days ago. That is definitely the amount I needed to pay in full. I have no idea why I was only given the option of paying 305.00 or the minimum of 35.00. x200B; Many people are financially responsible with their credit cards. I have 7 cards and pay the statement balance in full every month on every card I use, and I dont pay any interest. I think so too. I just meant I see that even for those who are responsible and pay the amount in full every month, the banks try deceptive ways to trick us from doing so and to make money off our backs. Assistant: Ive never heard of a bank doing this, so its very surprising to me. All of my credit cards, when I go to payments, give me the option to pay:1. Minimum payment2. Statement balance3. Current balance4. Other amountWho is the issuer of this card? Is it BoA? Ive heard theyve made some changes to their payment system that people have complained about recently I think removing statement balance as an autopay option but I still wouldnt think they would give a random arbitrary number as a payment option for manual payments and not the statement balance.Edit: Did you make a small payment at some point before the statement closed?Human: American Express.I didnt make any payments at all. And I made a 311 purchase on August 5th and a 28 dollar purchase on August 11. The billing cycle closed on August 15th.Even if the 28 dollar purchase wasnt processed in the statement, I still would have a statement of 311 for the purchase I made on August 5th. But it said 305, well under what I all things considered to pay in full to avoid interest.  <response>: Screenshots with personal info removed help, at the moment everything hinges on people disbelieving that your account was handled in a very odd way and attributing it to you being mistaken or misleading about the facts. 