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Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012

Re: JCP CLI Problem?


Open123 wrote:

I made the same mistake many years ago, and to this day the Bank doesn't believe it was an honest mistake.  You can explain, but unless there's a central figure who understands what you're explaining, good luck on clearing it up!

 

The results were the Bank I made the mistake with never fully trusted me again.  So, I moved on.  It was my mistake.

 

After that, I always push payments rather than pulling them.  Anything to reduce that kind of unwitting error.



What is pushing a payment, and what is pulling a payment?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Established Contributor
chan85
Posts: 547
Registered: ‎03-13-2011

Re: JCP CLI Problem?

[ Edited ]

crunching_numbers wrote:

Open123 wrote:

I made the same mistake many years ago, and to this day the Bank doesn't believe it was an honest mistake.  You can explain, but unless there's a central figure who understands what you're explaining, good luck on clearing it up!

 

The results were the Bank I made the mistake with never fully trusted me again.  So, I moved on.  It was my mistake.

 

After that, I always push payments rather than pulling them.  Anything to reduce that kind of unwitting error.



What is pushing a payment, and what is pulling a payment?


Pushing from your bank, meaning you set up a payment to be sent through your online bill pay to pay the company.

 

Pulling from your bank, meaning you authorize XYZ credit company to deduct the payment from your bank account.

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
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Last HP: 3/5/14
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012

Re: JCP CLI Problem?

Last month I had a payment scheduled to go to AMEX from my Chase Bill pay.  Amex had changed their address, so the payment did not go through. I got lucky that I had made a minimum payment earlier since the payment never did go through. Chase showed the payment sent, with a change to a 5 day delivery instead of 1 day which I thought was weird. Then they returned the funds to my account and called the payment cancelled and undeliverable. I had called AMEX when the payment did not show up in my account. It was a big mess, and I am sure other people with Chase and AMEX had the same exact problem. Glad I "pulled" the minimum and that I called amex about the payment.   Pulling and pushing can cause payment issues. :smileysad:


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: JCP CLI Problem?


crunching_numbers wrote:

Last month I had a payment scheduled to go to AMEX from my Chase Bill pay.  Amex had changed their address, so the payment did not go through. I got lucky that I had made a minimum payment earlier since the payment never did go through. Chase showed the payment sent, with a change to a 5 day delivery instead of 1 day which I thought was weird. Then they returned the funds to my account and called the payment cancelled and undeliverable. I had called AMEX when the payment did not show up in my account. It was a big mess, and I am sure other people with Chase and AMEX had the same exact problem. Glad I "pulled" the minimum and that I called amex about the payment.   Pulling and pushing can cause payment issues. :smileysad:


I've never had this problem with any of my CC's. I pay from their prospective sites.




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