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Cap1 billing question on my CC

Established Contributor

Re: Cap1 billing question on my CC

I'm 100% sure it would be $0

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 11 of 14
Valued Contributor

Re: Cap1 billing question on my CC

I have an autopayment set up for Cap1 every month before my due date.

Also, I think it will report $0 as well. The statement seems to cut at the end of that last business day. Or at least it has in the minimal amount of time I have paid attention.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 12 of 14
Valued Contributor

Re: Cap1 billing question on my CC

Statement was finally available online.  It did in fact show the ZERO balance, HURRAY!


Out of my 10 cards, I'll only have two (Walmart Discover and NFCU) cards that will report a balance.  NFCU will have total UTIL of 32% and Walmart will be 14%.  My total UTIL will be around 15%.  Next month I'll have total UTIL below 10% and my NFCU will be under 30%. (I still have my Discover It that hasnt generated its first statement so that CL isnt helping my UTIL right now.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 13 of 14
Frequent Contributor

Re: Cap1 billing question on my CC

Duncanrr wrote:

Forgot I had a $14.95 charge on my Cap1 card.  I paid it tonight but it was after 5:00 pm so the payment will be processed tomorrow.  My statement cuts tomorrow (1/24/13).  So the question is what balance will my card report? $14.95 or Zero!


Kicking myself for not checking this sooner but I didnt think I had any charges on the card (I had PIF the card about 8 days ago and hadnt used it since.)

I also have a Capone card and if I remember correctly, if you pay after 5:00 pm, the payment will be processed midnight of the next day.  I'm not sure what time the statement cuts though.

AE CC: $1,050 | AEO Visa: $1,890 | Cap1 QS: $2,100 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,650 | Overstock: $1,700 | PayPal Smart Connect: $1,500 | Walmart $2,200

TU (Discover): 663 | EQ (Citi): 651
Message 14 of 14