Technically I do not keep a balance on my Sears Citi card, but it appears as though I do because their payment system will not let me pay more than my last statement. Sometimes it's 14.00 and sometimes it's 800.00, so I must appear wildly out of control to the CRA's....
What I'm wondering is whether or not this is legal. Why can't I pay a bill before it's due, as long as the balance is valid, I'm not disputing anything and there is even a box for paying ''current balance''?
My CL is 2200 on this puppy, so sometimes I look as though my util is high even though I pay in full as soon as allowed. They report about two days after statement close, and they report the statement balance.
Oh, and this is a card that lowered my limit after I paid my bill in full earlier this year. Third card in one year to do that.
Thanks. My Billpay works great for this.
Now that I've done that, I almost don't care...but I should get it fixed anyway. I'll call the nice midwestern ladies - yes, you're right; they're there in the evenings.