CREDIT ONE Visa question!

[Anonymous]

Hi all!

So I started the slow painful process of rebuilding my credit... it’s not good with many delinquent accounts and charge offs, I went through a divorce 4 years ago and my credit went into a major tailspin.
Last month after not having any credit cards for 4 years I was able to get a Credit One Visa with a $300 limit, a capital one unsecur d platinum with $300, a secured Discover card with $300. I have been a bit crazy in watching my utilization.... reading so much on here has taught me all about That! I have used that thing that says to pay all cards in full except one, and leaving that one at about $25. It’s only been one cycle but with the credit one card I had put charges on it up to 30% and then would pay it off with each charge a couple of days later, I was not yet educated on the PIF by the statement end date. So then when I tried to pay the last charge of $29 three days before the statemen close, I got a message saying I reached the 4 payment limit.... saying I can’t make more than 4 payments in a 30 day period. So basically I got a small interest charge on that $29! I’m confused because The other cards let me pay as much as I wanted! Is this a typical thing for its credit one so they can be their interest????? Then they also raised my credit limit to $450 the other day!!
And then after The statement period ended the other day I tried to go in and pay that $29 and it’s still telling me I can’t pay it! I’m not sure if I should close this after I can pay that off. I’m worried now they won’t let me pay this and I’ll get a late fee!!!

Any help would be great! So many here have inspiring stories of their credit raising and I have some hope! Thanks so much!

[Anonymous]

No need to make quite as many payments .. But kudos on gettin it done! 

Find the statement date... Pay any balance i say at least a minimum of 3 days before(due to closing dates could fall on weekends). Then for a second payment i would just target two weeks from that date.

Congrats again on starting the journey.

I would also , not close any of the accounts now. From what i read this will be helpfull during your rebuild to allow "gardening" .. Just dont apply for anymore and manage these as you are.

[Anonymous]

Keep them open for future needs for now, 

but dont use the credit one, use the others.

actually, use the credit one as one of the ALL ZERO ones!