netpanther wrote:
They said the late was not going to report- they said they don't report lates that are less than 30 days, and they also said my late wasn't even considered late- they had a 10 day grace period. I don't know about that- and I also know that I am kicking myself in the pants that I didn't set up autopay a long time ago. I'll tell you the reason I didn't set it up- I could set it up online and I had to wait at least three week (maybe four) for the paperwork to get here, and I didn't send it back.
I will wait on this decision to close. But I am going to close my HSBC w/ it's 500 limit- I paid the 59 dollar AF once and I will not pay it again.
ETA- oh, one more thing- I'm not apping for anything more. I haven't app'd since last year, and my goal is to pay off the tuition that I had to pay so far. I want to be able to pay off everything and be debt free. I figure I don't need any more credit anyway.
TIA.
ETA- I don't mean that I am so perfect I don't need credit, what I mean is that I have enough CL's, I want to focus on paying off the 3 CC's and the HEL, and then start making extra principal payments on our mortgage.
I do wonder if the timing of this was somewhat coincidental. In the past I always paid from my bank on the due date, resulting in payments actually posting a few days late. My wife was even worse, usually paying a week late. We never had late fees, nothing. The payment was always in full. I know things have tightened up and maybe a couple of days late makes AMEX go snooping now. I just can't imagine, even now, AMEX whacking every person's who is a couple of days late credit limit. But what do I know? 