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07-01-2011 01:44 PM - edited 07-01-2011 01:44 PM
Just as a quick rundown, here's my accounts info.
Amazon Store Card $700
Discover More $1000
I'm trying to rebuild, and want to make the best of utilization and keep getting CLI's.
Here's my quandry. I have been paying off the Discover More and Cap1 each month, and my first Amazon bill is due soon. Of the three, I really only want the Cap1 to be the only one to report a balance to show some util (>9%) but apparently GEMB/Amazon will not cut a statement without a balance. And if they are not cutting statements, I cannot get a CLI on the account. Am I going to have to let the Amazon/GEMB account be the one that reports a balance? How do most people that have this account as well handle this situation. Thank you!
07-01-2011 04:52 PM
my stupid fireside bank mastercard does the same thing. They charge the monthly fee of 7.00 the day the statement cuts. So I will have to pay it off, then MAIL IN A CHECK so that I get a credit, so that it will be zero. They will not let me over-pay via phone or computer.
I hate this card so much and can't wait to close it.
07-01-2011 04:58 PM
UUHH, didn't you say they wouldn't cut a statement without a balance?
07-02-2011 07:03 AM
I see a couple of possibilities:
If your purchases had a special promotional period with no interest, just let it carry a balance each month and pay half the balance each month. Make sure to PIF before the promotional period ends.
make one small purchase each month. If you have a Kindle and like to read, I can guarantee this would not be a problem. - I should be able to get the 4 month CLI later this month if my PIF two months ago didn't mess up the 4 month/statement CLI that GEMB seems to give. I'm kinda hoping they give a good CLI to help with my utilization, but hoping they won't because the Kindle makes it waaaaayyy too easy to buy books......and I reeeaaalllly like to read....