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New Contributor
Posts: 57
Registered: ‎05-05-2016
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Just wondering

Anyone paid so much on their cc that it had a positive balance? I did and have a positive (4 bucks) on one 20 negitive on one and 2 with 0 ...just wondering if I need to charge something on there to go back to a negitive
Community Leader
Epic Contributor
Posts: 29,726
Registered: ‎03-19-2007
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Re: Just wondering

The CRA will post and FICO will score as $0.

Frequent Contributor
Posts: 380
Registered: ‎05-20-2016
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Re: Just wondering

You don't have to. They'll just deduct it from the next thing you charge. Or if for some reason you cancel the hard and it has a positive balance, they'll mail you a check.

(Queen of Spades)
(Amazon Prime | Chase Freedom | Citi Double Cash | US Bank Cash+)
Community Leader
Super Contributor
Posts: 11,690
Registered: ‎09-10-2014
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Re: Just wondering

As Cat indicated, they will just deduct it from future charges. I get that each month with my Walmart card since they give a 1% cashback statement credit each month. Since I don't take the time to figure out what the credit will be, I end up overpaying each month.

Most Recent FICO 8 Scores EX571/TU508/EQ560 10/03/2017 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Valued Contributor
Posts: 7,411
Registered: ‎01-08-2013
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Re: Just wondering

As stated, it will get deducted. I had that happen to me somehow on one of my cards last month. Should not be an issue.
EX 08 Fico: 729 TU 08 Fico: 735EQ 08 Fico: 740Total Credit Line: $128,600Utilization: 6%Inquiries:EX-6TU-7EQ-5

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