Can being an AU hurt me?

[primechicken]

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@09Lexie wrote:
Congrats on your CLI with Sams!

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Thanks!

[09Lexie]

Fingers crossed

[primechicken]

Just used the report number to pull up the Experian. Looks like they SPed on 4/13 but haven't since.

[09Lexie]

Good. Take a look at that report and you can decide if it warrants a CLI.

[primechicken]

What report? The one from 4/13? That's what I meant earlier. I don't have a copy of a report from that particular day, not exactly sure what it looked like at that moment. Is there a way to get one?

[09Lexie]

Not from the exact day but my cc's usually report the same time each month. Since we are still early in May- perhaps you can look at the reporting dates of your cc's and get an idea of what was reporting this time last month. For instance, if your CareCredit has not reported for May yet chances are it reported in the later part if April.

Then again, if your util is usually 5% there's probably no real surprises other than the amount you were carrying on your Amex. That bal should have been as low as possible IMO

[primechicken]

Ok gotcha. I thought maybe there was a trick and I wanted to know what it was!

Just checked my payment history from the staement page. Looks like I paid 630 on the 12th and 760 on the 15th. Amex SPed on the 13th, kinda tight! Maybe that second payment was already pending during the review. If not, my balance then was probably around 600 (I overpaid it.) Seems like they might take into account what the current utility is at time of the call or request as well. Hope they do.

[primechicken]

March statement balance was 221, April was 0.00, May will be the same when it closes on the 26th. I was gonna CLI on the 22nd. I wonder if it matters if I wait till a third statement closes or not. Based on stuff I've read here (and I've read a lot) it seems to be fairly difficult to track a consistent pattern.