Bugs the shit out of me when companies make it difficult to use their product. I do the same thing as you. I enjoy having $0 balances on my credit cards, and I use them within my means, so I pay them off straight away throughout the billing period. One of my cards (I only have two) makes it really difficult to pay off my balance more than once a month, and they delay those “extra” payments by days, sometimes weeks. I called them out on it and they said “just pay your balance once before the due date.” Fuck that. My other card lets me pay off my balance instantly, whenever I want.