Open up Excel and do the rounds of accounts; log in, verify my Excel registers match the website, on to the next. When they're all balanced, it's off to the Budget tab to make sure I'm still on target, make adjustments, pat myself on the back.
Takes about 15 minutes... but I do it at work. LOL.
@seruby wrote:
@Revelate wrote:
@Anonymous wrote:
@baygirl wrote:
@Revelate wrote:myFICO
I have everything on autopay and recently went and put in the requests to put all but one of my cards to a single payment date which should line up their statement dates roughly to manage the reported balances. I double-check USAA occasionally instead of using Mint, they get everything except failing on my DCU secured card (though they get my DCU savings/checking and former auto loan just fine beats me) and the Wally card which I intend to get rid of after blitzing through the mortgage process in a month.
Wow...great idea to request a single payment date! First time over here to Personal Finance; glad I ventured over here.
*first-timer in this section too* Oh so glad I did today...
How have I been playing the credit game, never thinking to do that....lol!
-payment date requests made, can't wait to see what transpires as a result-Heh glad it was useful but I can't take credit for the idea; I saw something over on Smorgasboard a few weeks ago about changing due dates and likewise thought it was a great idea to do it with all of my cards that I could. Before I was having to manage my balances twice a month (1st and 15th worked for me) but once the due dates finish coming through I can just make a pass on the 1st to pretty things up and go on with life (my due dates are all on the 9th) for when I need to get uber clean for an application.
Most times I don't worry about it but I get fustruated with how much time it takes to manage a bunch of revolvers when I need to, and this is nothing but goodness for simplifying that and easier to build a routine around even with the autopay backup. Less time = more winning in my life.
When you changed the due dates, did it impact the statement and reporting dates?
I was considering doing this for one of my cards. I have 2 cards that report about 3 days apart (21st and 24th), and I signed up for another one early in the month in hopes it would have an early reporting date. But it's reporting date ended up being the 17th, so they're all still close to each other. I wanted the last card to report on like the 10th, so I was thinking of changing the due date but wasn't sure if that impacted the statement date as well.
It should but all the lenders had a disclaimer on how it takes two statements to change or thereabouts, so and I'm still patiently waiting for them to take effect.
ETA: Amex processed it on one of my cards and as expected did change the statement date, cut and paste notice the dates:
$10.00 since Jan 20 (closing Mar 12)
