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NFCU min payment

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Duncanrr
Valued Contributor

NFCU min payment

I ran 4.5k on card and paid 2.3k off before statement cut leaving 2.1k reported. My statement says I don't have a min payment. Is thus because of the large payment I made 3 days before statement cut?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 11
10 REPLIES 10
indecison
Regular Contributor

Re: NFCU min payment

I have done similar as you did over the last couple statements and got the same result of no minimum payment. So I would assume they count your payments as your making your minimum already.

Message 2 of 11
Duncanrr
Valued Contributor

Re: NFCU min payment

Yet another reason to love NFCU Smiley Wink


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 11
webhopper
Moderator Emeritus

Re: NFCU min payment

I pay NFCU every few weeks, as a result, my credit card and LOC with them never show a "minumum payment" due. Its nice Smiley Happy
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 4 of 11
LesWH
Established Contributor

Re: NFCU min payment


@Duncanrr wrote:
I ran 4.5k on card and paid 2.3k off before statement cut leaving 2.1k reported. My statement says I don't have a min payment. Is thus because of the large payment I made 3 days before statement cut?

That happened to me and I asked about it and was told since I paid so much more than the minimum payment due, no payment was due the following month. Gotta love NFCU!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 5 of 11
john398
Senior Contributor

Re: NFCU min payment

My credit union handles it the same way, got to love CU

Message 6 of 11
distantarray
Established Contributor

Re: NFCU min payment

NICE this should factor nicely into credit / debt / income ratio on your reports =) 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 7 of 11
EandK23
Regular Contributor

Re: NFCU min payment

You guys are making it very tempting to become a member of NFCU.
Message 8 of 11
webhopper
Moderator Emeritus

Re: NFCU min payment


@EandK23 wrote:
You guys are making it very tempting to become a member of NFCU.

If you are eligible, there is Absolutely no reason NOT to become a member.   Your wallet and financial life will thank you for the rest of your life (unless you screw them over)!!!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 9 of 11
distantarray
Established Contributor

Re: NFCU min payment

I will never screw over USAA, Navy Federal, Amex, Chase anyone else I could careless =x


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 10 of 11
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