So back in Aug, I was switching my direct deposit account and screwed up and scheduled a payment to the old account. The payment was returned, my fault obviously. This did not cause a late payment as this was actually the second payment I made after I made the "due date" payment (I make multiple payments a month). But I am in the credit steps program and I was in my second month. Tried for a cli in September and October, no go. My November statement just cut, so I tried again. And bam, got approved. Now Dec is my 6th month so I'm hoping I get the auto cli for completing the credit steps program. Fingers crossed.
