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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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. :smileymad:

 

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?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

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. :smileymad:

 

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 :smileyhappy:
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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. :smileymad:

 

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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

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. :smileymad:

 

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 :smileyhappy:
Valued Contributor
navigatethis12
Posts: 1,936
Registered: ‎01-24-2012
0

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.

 

Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012
0

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
Valued Contributor
jamesdwi
Posts: 1,815
Registered: ‎09-16-2011
0

Re: Have a interesting situation coming up

[ Edited ]

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

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

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Valued Contributor
android01
Posts: 1,208
Registered: ‎09-22-2009
0

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? 

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Have a interesting situation coming up

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



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
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Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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