localuser wrote:
creditnocash wrote:
kind of concered about a payment i made over the phone yesterday to toyota financial said it would be processed today but still says it hasnt been paid. not due till monday but wanted this taken care of asap.
Just curious whats the reason you pay over the phone?
its a new loan and wanted to make sure it posted.
its due the 1st and had my bank to autopay and i just got parronied that it wouldnt go through so i made the phone payment on thurday and still hasnt posted.
i know there is the 15 day grace period but id rather not take the chances.
as of yesterday but when i payed it confirmed that they took the payment on thur 9/27/2012 at xxx time.
so its just a waiting game.
from now on im just scheduling it to be taken out a week before its due as apposed to the weekend before. bad timing.
. I doubt I will leave out of low limit credit hell unless I do.
It has been 3 months since I started gardening.
My accounts are still fine. My utilization is at 20% which is giving me a good score. I have increased the limit on my Walmart card from $500 to $1000. I have also increased the limit on my Belks card from $200 to $800. I find that one to be amusing since I have never actually used the card.
I have had at least 4 inquiries drop from my reports.
I am not even itching for new cards, although I would like to have a Target card one day and a good rewards card with airmiles, but I can happily wait for it.
Next month I can get an increase on my Marathon Visa card and maybe my Household card. I think have to wait until January for an increase on Barclays Reward card. However I am very content with what I have.
Good luck to other fellow gardeners.
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