Reply
New Contributor
Posts: 128
Registered: ‎03-28-2013
0

Re: Can being an AU hurt me?


09Lexie wrote:
Congrats on your CLI with Sams!

Thanks!

Amex BCE 6k; Amex Hhonors 4k; Quicksilver 3.5k; Chase Freedom 3k; Desert Schools 3k; Bank Americard 1.5k; Discover IT 1k; Sallie Mae 650
Lowe's 9k; Sam's Club 8.5k; Walmart 4k; Chevron 2k
Moderator
Posts: 26,776
Registered: ‎09-13-2012
0

Re: Can being an AU hurt me?

New Contributor
Posts: 128
Registered: ‎03-28-2013
0

Re: Can being an AU hurt me?

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

Amex BCE 6k; Amex Hhonors 4k; Quicksilver 3.5k; Chase Freedom 3k; Desert Schools 3k; Bank Americard 1.5k; Discover IT 1k; Sallie Mae 650
Lowe's 9k; Sam's Club 8.5k; Walmart 4k; Chevron 2k
Moderator
Posts: 26,776
Registered: ‎09-13-2012
0

Re: Can being an AU hurt me?

[ Edited ]
Good. Take a look at that report and you can decide if it warrants a CLI.
New Contributor
Posts: 128
Registered: ‎03-28-2013
0

Re: Can being an AU hurt me?

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?

Amex BCE 6k; Amex Hhonors 4k; Quicksilver 3.5k; Chase Freedom 3k; Desert Schools 3k; Bank Americard 1.5k; Discover IT 1k; Sallie Mae 650
Lowe's 9k; Sam's Club 8.5k; Walmart 4k; Chevron 2k
Moderator
Posts: 26,776
Registered: ‎09-13-2012
0

Re: Can being an AU hurt me?

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
New Contributor
Posts: 128
Registered: ‎03-28-2013
0

Re: Can being an AU hurt me?

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

 

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.

Amex BCE 6k; Amex Hhonors 4k; Quicksilver 3.5k; Chase Freedom 3k; Desert Schools 3k; Bank Americard 1.5k; Discover IT 1k; Sallie Mae 650
Lowe's 9k; Sam's Club 8.5k; Walmart 4k; Chevron 2k
New Contributor
Posts: 128
Registered: ‎03-28-2013
0

Re: Can being an AU hurt me?

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.

Amex BCE 6k; Amex Hhonors 4k; Quicksilver 3.5k; Chase Freedom 3k; Desert Schools 3k; Bank Americard 1.5k; Discover IT 1k; Sallie Mae 650
Lowe's 9k; Sam's Club 8.5k; Walmart 4k; Chevron 2k

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.