Reply
Senior Contributor
Posts: 3,240
Registered: ‎04-03-2008
0

Accidentally carried a small balance :-(

Not a big deal, but irritating: I just noticed that last month when intending to pay the full balance on all my cards as usual, by mistake I paid a little less than the full balance of one card, thus incurring a finance charge of 61 cents.  Ooops!

 

 

TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it
Frequent Contributor
Posts: 260
Registered: ‎05-21-2009
0

Re: Accidentally carried a small balance :-(


MattH wrote:

Not a big deal, but irritating: I just noticed that last month when intending to pay the full balance on all my cards as usual, by mistake I paid a little less than the full balance of one card, thus incurring a finance charge of 61 cents.  Ooops!

 

 


 

61 CENTS!!!   Consider yourself lucky. I see a lot of things that say many CC's have either a $1.00 OR $2.00 MINIMUM FINANCE CHARGE. 
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Accidentally carried a small balance :-(


MattH wrote:

Not a big deal, but irritating: I just noticed that last month when intending to pay the full balance on all my cards as usual, by mistake I paid a little less than the full balance of one card, thus incurring a finance charge of 61 cents.  Ooops!

 

 


 

As penance, you must forego your coffee today.  And as you yearn for your caffeine fix, remember you misdeed.

 

Smiley Wink  Just joking of course.  MattH, thank you for your part in bailing out the banking system.  Your 61 cents will help feed a starving CEO somewhere in upper Manahattan, who would otherwise not get his annual bonus, without the generous contributions of people like you.

 

LOL.  You may also keep a look out for loose change through out the day and recover your losses.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Accidentally carried a small balance :-(

Matt, if you need help with the $0.61, let us know. We'll help you out! You'd better rework your budget now too. Smiley Tongue
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Accidentally carried a small balance :-(

Maybe MattH could reorganize as a federal bank holding company and request federal assistance and bail out!   Surely Matt is too big too fail.

 

LOL.  Smiley Happy

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
0

Re: Accidentally carried a small balance :-(

I am suprised they only chagred $.61. Most CCC's have a minimum FC fee.  Be carefull if you take a bailout since the government might decide to cap your pay.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
Highlighted
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Accidentally carried a small balance :-(

And let us not forget the "stress tests...."

 

I have accounts with a minimum 50 cent charge and some with $1.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.