Open Sky, Do I Pay Now or Wait Until I Get Statement?

[Anonymous]

If you go onto your online account it should say what your minimum payment is so far, like i said for me they made me pay the whole 35 on the first bill

[SirTilus]

Sounds like mine. My AF was the only charge on there and when it reported, it did show 18% utilized so wait until the statement is cut and pay (the whole balance). It does take a while to post so don't wait until the week of. What I did was add my Netflix and my daughter's ABC mouse subscription to be charged to it monthly so the utilization will be low. My limit on that card is $200.

[Anonymous]

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@dznen1 wrote:

I think that I will go ahead and pay the AF now, just to be on the safe side.  How long after you received your card, did you get your first statement?  Should I call and ask when my statement will cut?  Do I let the AF report before paying?

It has been over a month since I pulled my scores but they were: 

       Fico 8--EX 533, EQ 575, TU 527

Since that time I have had 3 EE's and my Rebuilder Loan is reporting to 2 of the CRA's.  I have call my cu to correct this.  I still have about 8 collections, three to four will fall off between January and April of next year.

Thanks

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I would not worry too much about trying to maximize UTI until you have three or more cards. Just don't let it report over 80%.

[MJVBAK]

I paid online as soon as I got my card, it took 3 days for that payment to post. 

I then cut my card up, I didn't want any issues with payments posting ontime and messing up my CR.