payments not posting...

afbar1114 · ‎01-16-2012

when i get my credit cards i set them up thru my bank to be paid. before i start sending payments to them i send test payments of $1-$5 to make sure its going to the right place. when checking my credit report today i noticed that 2 of my credit cards are showing those "test" payments insted of my real payments will this hurt my credit and should i get them fixed?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

dalebb · ‎01-16-2012

im not sure i understand,,, when did u send the payments? and what cards r we talking about? was this b4 the statement or after?

afbar1114 · ‎01-16-2012

@dalebb wrote:
im not sure i understand,,, when did u send the payments? and what cards r we talking about? was this b4 the statement or after?

it was before the statement way before the due date. i send test payments for only like $1 incase i did something wrong when setting up online bill pay. but those $1 are showing up insted of my real payments

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

dalebb · ‎01-16-2012

showing up online with the CC's? how many days apart did u make the payments? and again what cards r we talking about?

LS2982 · ‎01-17-2012

@afbar1114 wrote:
when i get my credit cards i set them up thru my bank to be paid. before i start sending payments to them i send test payments of $1-$5 to make sure its going to the right place. when checking my credit report today i noticed that 2 of my credit cards are showing those "test" payments insted of my real payments will this hurt my credit and should i get them fixed?

I think if its the last payment you made before the statement closing date thats what they go with. I don't believe it hurts your credit because I don't think your recent payment history shows on your TL on the CR.

EQ FICO 548 3/3/16

RockinRay · ‎01-17-2012

@LS2982 wrote:
@afbar1114 wrote:
when i get my credit cards i set them up thru my bank to be paid. before i start sending payments to them i send test payments of $1-$5 to make sure its going to the right place. when checking my credit report today i noticed that 2 of my credit cards are showing those "test" payments insted of my real payments will this hurt my credit and should i get them fixed?
I think if its the last payment you made before the statement closing date thats what they go with. I don't believe it hurts your credit because I don't think your recent payment history shows on your TL on the CR.

+1 -

Ray

** Every Card has a Job, and Every Card does its Job **

CS800 · ‎01-17-2012

@RockinRay wrote:
@LS2982 wrote:
@afbar1114 wrote:
when i get my credit cards i set them up thru my bank to be paid. before i start sending payments to them i send test payments of $1-$5 to make sure its going to the right place. when checking my credit report today i noticed that 2 of my credit cards are showing those "test" payments insted of my real payments will this hurt my credit and should i get them fixed?
I think if its the last payment you made before the statement closing date thats what they go with. I don't believe it hurts your credit because I don't think your recent payment history shows on your TL on the CR.
+1 -

+2