08-21-2009 12:04 AM
Please accept my apology if this is a dumb question. I'm not sure I'm understanding the problem correctly.
I got the part about it being a new card, so:
If, after you make this first payment, will you, in the future, be able to make payments before the statement drops? Is this standard procedure with Citi or just a first-payment-fluke?
D-RMessage Edited by Desert-Rat on 08-20-2009 11:22 PM
Yes, I believe you can make a payment on Citi's site after the first statement drops. Remember, you can only make 4 payments in between statements. You can make countless electronic payments through your bank's bill pay feature though.
08-21-2009 07:12 AM
08-21-2009 07:38 AM
Make the $1000 payment that you can so that reported balance has the least uti percentage possible. After you make the $1000 payment, you might try calling back and see if you can get another CSR to take another $1000. If so, you'll be dropping the balance to just over $6000, otherwise just over $7000.....both of which are better than $8100.
08-21-2009 10:23 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.