I don't think they give two shits about when you log on to view your account as long as you're paying on time.
Canadian Tire can do this detailed analysis because they're both a merchant and a card issuer. Maybe that's a good reason not to use store credit cards.
From the Times piece:
One Bank of America executive acknowledged that Tiff — and the caller on the recording in the training course — probably could have cut her debt in half just by asking. Much of what they’re paying, after all, is fees and interest that Bank of America itself tacked on.
“Some cardholders are not as savvy as others,” said Tony Allen, a (Bank of America) spokesman, who added that the company tries to educate cardholders about their options. “I’m sure some people feel like we have conflicted interests and that we’ll only educate as much as it helps us get paid. But we take our responsibility seriously.”
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