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NFCU min payment

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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 1 of 11
10 REPLIES
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
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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 11
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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 4 of 11
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
Senior Contributor

Re: NFCU min payment

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

Message 6 of 11
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
Regular Contributor

Re: NFCU min payment

You guys are making it very tempting to become a member of NFCU.
Message 8 of 11
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)!!!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 9 of 11
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