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Accidentally carried a small balance :-(

Senior Contributor

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
6 REPLIES
Frequent Contributor

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

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

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

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

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.
10/17/2017 FICO: EQ 829 TU 830 EX 826
Senior Contributor

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