Credit Cards Center Credit cards from our partners
Established Contributor
Posts: 716
Registered: ‎03-16-2012

Re: Cap1 billing question on my CC

I'm 100% sure it would be $0

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk

Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012

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) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

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

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 283
Registered: ‎10-02-2012

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: $850 | AEO Visa: $1,890 | Cap1 QS: $1,950 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,050 | Overstock: $1,300 | PayPal Smart Connect: $1,000 | Walmart $1,900

TU (Discover): 648 | EQ (Citi): 657

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.