Credit Cards

[RockinRay]

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webhopper wrote:
I use push payment to overpay. No issues so far

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+1 - I do the same thing.

[compassion101]

I tried to do this a couple of times but was told I could only pay 10% over what the balance was. From reading other posts though nobody else seems to mention this so maybe it was just card specific (I think it was capital one)

[bribro]

This seems like an awful lot of trouble to go through just to get a zero statement balance reported, which might bump your FICO a couple of points. If you want to maximize your FICO it's apparently a good thing to have one card report a small balance, so why not just do that and worry about keeping your rarely used cards at a zero balance.

[Autumnslight]

Just out of curiosity, if you let the statement cut when you have a negative balance, will your credit report actually show a negative, or $0?

[bribro]

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Autumnslight wrote:

Just out of curiosity, if you let the statement cut when you have a negative balance, will your credit report actually show a negative, or $0?

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$0.

[pozativelyliving]

Well, I made my purchase today and I think it will make my Target card look better. The associate sold me the wrong iPad. I thought it was discounted at first because he repeated what I wanted back to me.  I stopped to look at the receipt and found that it was only the WiFi version so... I had to goto a different store to get the correct one. I didn't return the first until after I made my purchase. Now there were two charged to the account along with a few small things. Returned the first which is about a $600.00 credit. They say that will take a few days to post. Checked my account tonight, I have a balance of about $1500.00.  That will be about $900.00 after the credit and the statement closes. 

So this should show a high balance of about $1500.00 on my CR?  

[shedspread]

 Chase allows you to pay 10% over your balance. If I try to pay more it sends an error message. Both my Freedom and Sapphire cards allow this.

[TimeToRecover]

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andre181 wrote:

But really, who writes checks anymore? I write 1 check a month for rent and that's it.

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HAHA Rent is the only thing I write a real check for as well.

[Revelate]

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shedspread wrote:

 Chase allows you to pay 10% over your balance. If I try to pay more it sends an error message. Both my Freedom and Sapphire cards allow this.

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Huh, I had blithely assumed it was anything over current balance.  Think I was slightly over than 10% for a pending charge I was trying to cover.

Welcome to the forums and thank you for the tip!