Can you still get the benefits that a credit card usually gives you (miles, points, etc., the ability of hiring a car, booking a hotel - do you require a CC to book a hotel or only to hire a car?) but not have to worry at the end of the month for prompt payments by prepaying.
Let's say you live with the absolute minimum of credit line a card can give you (let's say 1000) but you still want to live a good life. You get the idea.
Will my account be closed if I make pre-payments?
This way you deny them their main source of income: the possibility of charging interest on you.
You're naive and funny. You want to give them a free loan, and think that you're doing something bad to them. Really? Is that what you think?
The main source of income of the credit card companies is not the possibility of charging interest on you. How possibility can be a source of any income at all? No. Their main source of income is merchant fees. Interest on you is something they enjoy having but can live very well without (they wouldn't give grace periods otherwise, would they?).
You need to understand that if you pay off your statements in full every month - you can only benefit from using your credit cards. You'll be getting (instead of giving, as in your plan) a free loan, and you'll be getting additional benefits such as rewards, cash-backs, and the convenience of aggregating and managing your charges.
By the way I even heard examples that credit card companies closed accounts for prompt payers who payed their balances in full every month.
Indeed strange. I don't know what's going in Eastern Europe, but in some other places where I've lived charging interest on credit card is such a rare occasion, that most people don't even know that such a possibility exists.
Why it's such a stupid world that you actually need credit to hire a car/book a hotel if you are against the institution of credit?
Because when you hire a car or book hotel, you're opening a line of credit. You're allowed to use their property, watch their movies, use their phone, destroy their bathroom and steal their towels. If you don't give them your credit card ahead of time - how can they be sure you're going to pay for all of that? Some places allow cash deposits with additional assurances for those without credit cards, but you have to understand that you have to put something to back that line of credit that you're getting from the hotel/car rental company.
Pre-loading only makes sense if you want to use the Credit Card for cash advances. This is typically a terrible idea, however, I have a card that charges no exchange fees and in some countries it's the most efficient way to get cash. In this case the grace period doesn't apply and the only way to avoid exorbitant and very convoluted charges is to pre-load the card. This needs to be a short term transaction, most card issuers will refund any pre-load after while.
The effort it would take to maintain a credit balance on the account is far greater than the effort of simply paying the card in full each month. In the US, there's a grace period, no interest at all is charged if the bill is paid in full soon after receipt.
Your idea can easily backfire. The bank can decide they wish to refund the positive balance, and you might not have accounted for it when charging the next purchase.
Either way, your idea sounds like a lot of effort with literally nothing to be gained.
