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Thanks. Forgot about that, my glorious 20 years of backdated goodness.
@Anonymous wrote:Duncanrr,
Be prepared to not get an alert when they hit your account. Equifax never alerted me to the new accounts because they didn't show up as new because of them being backdated!
@Duncanrr wrote:Thanks. Forgot about that, my glorious 20 years of backdated goodness.
@Anonymous wrote:Duncanrr,
Be prepared to not get an alert when they hit your account. Equifax never alerted me to the new accounts because they didn't show up as new because of them being backdated!
Oh... just 20 years.... that's all??
@Anonymous wrote:
@Duncanrr wrote:Thanks. Forgot about that, my glorious 20 years of backdated goodness.
@Anonymous wrote:Duncanrr,
Be prepared to not get an alert when they hit your account. Equifax never alerted me to the new accounts because they didn't show up as new because of them being backdated!Oh... just 20 years.... that's all??
Can I get some of the backdating goodness? I'm not even 20 years old! lol, would make my credit reports look stellar
I'm confused with the due date on my zync, right now, it states "payment not required"..... and statement closes 10/25.... once the statement closes, do I have before 11/25 to pay my balance??? or do I need to pay the balance before 10/25???
@Duncanrr wrote:The due date is the day before the next statement date, right? Isn't the please pay date a suggestion? Normally, I'll pay on the 15th but since I'm straighten out high UTIL due to hurricane, Im planning on paying at end of month (11 days before next statement date and 4 days after please pay by date).
@Ron1 wrote:You need to pay in full by the due date before the due date.. After that, they might charge late fee or report you as deliquent.
Ron.
It doesn't matter the charge doesn't count the credit utiliization because you cannot carry balance. Amex need your payment on or before 26th of this month. If you need more time, you can call time to make another arrangement. You need to pay in full for the charge card unlike the credit card. After 26th, Amex might charge late fee. Amex might report your account as deliquent if you wait until next statement. I usually pay the card as soon as the statement comes out every month. By the way, they might raise your spending limit if you pay on time.
Here is some info for card payment:
http://about.americanexpress.com/cr/pb1.aspx
http://about.americanexpress.com/cr/pb3.aspx
Quote from Amex:
Your Charge Card payment is due in full by the “Please Pay By Date” indcated on your monthly billing statement. The "pay in full" nature of the charge card is to help our Cardmembers avoid any unnecessary interest charges.
Ron.
Where did you get this info from? Like I've said before, normally this will not be an issue but I'm trying to juggle paying off storm related damage items. Im just seem to be getting different info from different people.
@webhopper wrote:
Amex calculates interanal score by your adherance to the please pay date. I usually pay 10-15 days before the please pay date... If I were you I would not pay after the "please pay by" date.
Here's some of the cardmember agreement for charge cards
Payment of the New Balance is due upon receipt of your
statement.
If you do not pay the Amount Due on a billing statement before the 10th day after the next Closing Date, you will be charged a late payment fee. This fee will be $25, or $35 for a subsequent late payment in the next 6 billing periods. In addition, if you do not pay an Amount Due for two billing periods in a row, we will charge the greater of $35 or 2.99% of the amount past due.
The "please pay by" is not referenced in the agreement. However, it is due upon reciept and how long you take to pay would likely be evaluated over time as part of an internal exposure calculation for setting spending limits.