@uncredited wrote:
@Kforce that 7 year aaoc is a massive difference for "insufficient history" vs 1 though. I'm sure that's the whole difference right there, at least as far as prequal metrics... Hard to say with apps.
The oldest is 7, her average would be about 4.5, so yes she has time on you.
No money and ultra thin file.
I'll have to explore Bill pay. I've honestly never used it because I've never trusted it with no control over when they pay vs pull that's reliable, or manual for regular bills. The system works the same, you are just sending $ (push), instead of requesting (Pull)
Either way the issuer doing the work need the others account info, date to set in motion, and money amount. (who, when, $)
The big difference in pushing is that it bypass's CC issuers limits (Amount , usually the current balance), how often (Once a week or a number like 5) and even the when (Can't pull until last payment cleared and post) , etc.
I know very little about how it works (like how do they know how much to pay, (You tell them) or do you preset a guesstimate?
If setting a monthly auto payment, yes it would be an amount you pick. How reliable is posting, etc? Just as reliable as from the CC issuers end. * Note: One should never wait until the last second for a payment. Errors can happened with any issuer. One should pay and then check that it got there a few days after initiating a payment auto or manual, push or pull., any issuers. *** Always check ! *** For the dd card it doesn't matter, I monitor it anyway. But for disco and other future cards it sounds very helpful for managing the zeros. I hate that the pulls don't let you pay before statement... But then as above normal people don't do that anyway....
I didn't even know you could move statement dates?
Due dates I knew so least for some cards but not statement.
Yes you are correct the thing you ask too move is the Due Date. The trick is that for most issuers changing the due date automatically changes the statement date. This is why I move dates close to the end of month (EOM), I use the 25th as Due Date Request. Some only have statement dates near or at EOM, and a couple others report to credit bureaus at EOM no mater when due or statement post. A few CU's/Banks have a fixed statement (Almost always EOM or a set date late in month like 28th or 30th). If one moves due date to 25th (example), statements and reporting should fall between 28 and EOM.
Keeps all due, statement and reporting in about a week's time period.
Makes paying, reporting and statement tracking a non issue.
Nothing easy about 12 cards with random due, statement and reporting.
I don't need reminders or a spreadsheet for tracking dates to pay or know when my score's should update.
Just make things easy.
A few CC issuers do give instant credit for a payment from their web portal for a pull. If you want to pay last minute and hope everything goes well, it can be a couple days faster by pulling.
Billpay push usually get to CC issuer 1-2 days and most post in 1-3 days so there is a 3-5 day delay before credit to your account. This delay varies by billpay issuer and CC issuer. My CU (Billpay) to AOD = 2 days, average with using on 10+ accounts was 4 days. (Credit posting)
