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Alright WalMart, do your worst

Valued Contributor

Alright WalMart, do your worst

So based on some things I've seen 'round these parts, GE/Walmart likes to do mid-cycle reporting, especially after the **bleep** to actually show as a balance, so I paid it off today, and now have to wait another potential 48 hours for the payment to post.  Crossing my fingers it doesn't report.  My tiny little credit limit can't handle it!

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
6 REPLIES
Valued Contributor

Re: Alright WalMart, do your worst

What is your overall util%?

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Established Contributor

Re: Alright WalMart, do your worst

+1

Valued Contributor

Re: Alright WalMart, do your worst

Less than 1%, but if it reported the balance before the payment posts, it would put me at 11%.  My total CL is ~3550

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor

Re: Alright WalMart, do your worst

I would love for my Wal-Mart card to mid report Smiley Surprised, because I PIF and have to wait to end of Nov for statement to update.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor

Re: Alright WalMart, do your worst


Jutz wrote:

Less than 1%, but if it reported the balance before the payment posts, it would put me at 11%.  My total CL is ~3550


Unless you are seeking new credit, then I would not sweat a 11% util, as it will update at the end of the month.

 

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Valued Contributor

Re: Alright WalMart, do your worst

Oh I know, I'm just SO damned close to being completely out of the 500's I don't want to see even a temp set back

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL