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JCP CLI Problem?

Valued Contributor

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: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 11 of 14
Established Contributor

Re: JCP CLI Problem?


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
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Message 12 of 14
Valued Contributor

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. Smiley Sad


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 13 of 14
Mega Contributor

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. Smiley Sad


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




EQ FICO 548 3/3/16
Message 14 of 14