01-23-2013 09:36 PM
I'm 100% sure it would be $0
01-24-2013 03:31 PM
01-28-2013 10:12 AM
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.
01-28-2013 10:24 AM
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.
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.