maybe I'm the only person having this problem with credit card (sears mastercard)but someone told me a simple way to track checkbook if you don't want elaborate is to assign number to each regular expense, i.e. mastercard payment is $xx dollars AND TWO CENTS. Another account would be xx dollars AND THREE cents. I never make ANYTHING else "and two cents". I call up my statement and see a .02 cents amount and I instantly know it is Sears Mastercard. This freaks citibank/sears/mastercard out. I will try to pay the full amount (say $88.44) and make it $89.02 and they just can't do it because it jams their system. I've had other problems with Citibank but this just boggles the mind.Any similar experiences?