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Have a interesting situation coming up

Mega Contributor

Have a interesting situation coming up

I'm getting very nervous...

 

I made a BT to my new Barclays MC on the 13th which transferred 4k over from my CU card. The transfer still has not posted yet.

 

The CU card's statement closing date is 9/30.

 

Barclays MC's statement closing date is the 11th.

 

If that BT does not post by 9/30, i'm going to end up with 4k more tacked onto my overall util. for at least 3 weeks. Smiley Mad

 

I'm concerned my other creditors will frown on this and get spooked. Would it be worth a call to the CU and see if they can do a manual update or just let it fly?




EQ FICO 548 3/3/16
Message 1 of 15
14 REPLIES
Regular Contributor

Re: Have a interesting situation coming up


LS2982 wrote:

I'm getting very nervous...

 

I made a BT to my new Barclays MC on the 13th which transferred 4k over from my CU card. The transfer still has not posted yet.

 

The CU card's statement closing date is 9/30.

 

Barclays MC's statement closing date is the 11th.

 

If that BT does not post by 9/30, i'm going to end up with 4k more tacked onto my overall util. for at least 3 weeks. Smiley Mad

 

I'm concerned my other creditors will frown on this and get spooked. Would it be worth a call to the CU and see if they can do a manual update or just let it fly?



Seeing as the 30th is a sunday (we all know things rarely post electronically on a sunday) i would give your CU a call and see if they can do a manual update! It cant hurt...

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 2 of 15
Mega Contributor

Re: Have a interesting situation coming up


Tommy5746 wrote:

LS2982 wrote:

I'm getting very nervous...

 

I made a BT to my new Barclays MC on the 13th which transferred 4k over from my CU card. The transfer still has not posted yet.

 

The CU card's statement closing date is 9/30.

 

Barclays MC's statement closing date is the 11th.

 

If that BT does not post by 9/30, i'm going to end up with 4k more tacked onto my overall util. for at least 3 weeks. Smiley Mad

 

I'm concerned my other creditors will frown on this and get spooked. Would it be worth a call to the CU and see if they can do a manual update or just let it fly?



Seeing as the 30th is a sunday (we all know things rarely post electronically on a sunday) i would give your CU a call and see if they can do a manual update! It cant hurt...


I'd have to wait until it posts. I'd feel uncomfortable asking that question tho.

 




EQ FICO 548 3/3/16
Message 3 of 15
Regular Contributor

Re: Have a interesting situation coming up


LS2982 wrote:

Tommy5746 wrote:

LS2982 wrote:

I'm getting very nervous...

 

I made a BT to my new Barclays MC on the 13th which transferred 4k over from my CU card. The transfer still has not posted yet.

 

The CU card's statement closing date is 9/30.

 

Barclays MC's statement closing date is the 11th.

 

If that BT does not post by 9/30, i'm going to end up with 4k more tacked onto my overall util. for at least 3 weeks. Smiley Mad

 

I'm concerned my other creditors will frown on this and get spooked. Would it be worth a call to the CU and see if they can do a manual update or just let it fly?



Seeing as the 30th is a sunday (we all know things rarely post electronically on a sunday) i would give your CU a call and see if they can do a manual update! It cant hurt...


I'd have to wait until it posts. I'd feel uncomfortable asking that question tho.

 


true.. I would too.. but, its worth feeling a little uncomfortable for the same of your util..

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 4 of 15
Valued Contributor

Re: Have a interesting situation coming up

I would not be concerned unless you plan on applying for credit. I had some cards sitting in a rewards bank account for a few months and no creditors said anything.

 

Message 5 of 15
Established Contributor

Re: Have a interesting situation coming up


navigatethis12 wrote:

I would not be concerned unless you plan on applying for credit. I had some cards sitting in a rewards bank account for a few months and no creditors said anything.

 


+1

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Message 6 of 15
Valued Contributor

Re: Have a interesting situation coming up

at least the company (Barclays) that is most sensitive of such things is involved with the actual transaction, just be patent don't AP for anything and make sure you pay the minimum payment on all accounts just in case. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 7 of 15
Moderator Emeritus

Re: Have a interesting situation coming up

LS.... if I were you I wouldn't worry about this. You aren't applying so you should be fine. Its not like you are just paying minimums... I think minimum payments scare them more than balances on other cards

Starting Score: 08/29/2011 TU 671 EQ 674
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Message 8 of 15
Valued Contributor

Re: Have a interesting situation coming up

LS, you'll be fine .  Credit is extended and used in larger or smaller amounts.  One or two months difference in (higher/lower)  utilization shouldn't make a difference.  It's why we were extended credit, no? 

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 9 of 15
Mega Contributor

Re: Have a interesting situation coming up

Eh, I guess your right. Just not used to high utilization, and false numbers at that lol



EQ FICO 548 3/3/16
Message 10 of 15