Credit One AF impossible to report 0?

[Anonymous]

Naw, it's not THAT big of a deal. I just chose the wrong card to be the balance reporter. I just had a Happy Gillmore moment after staring at a 0 balance for 29 days then a last second $8...WHY CANT YOU JUST GO HOME, BALL?!?

[CreditCrusader]

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@Anonymous wrote:

Naw, it's not THAT big of a deal. I just chose the wrong card to be the balance reporter. I just had a Happy Gillmore moment after staring at a 0 balance for 29 days then a last second $8...WHY CANT YOU JUST GO HOME, BALL?!?

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Are you too good for your home???!!!

ANSWER ME!!!!!!

[coreyb80]

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@CreditCrusader wrote:

To build on what the others have suggested, pushing payments via your bank/credit union bill pay is the way to go...and not just for the AF.

Credit One is infamous for its S-L-O-W posting times relative to payments made on their website/app. However, payments made via bill pay post quite quickly.

My sister has their Platinum Rewards card. She pushes payments on Monday mornings and both the balance and available credit are updated the following evening.

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Agreed.  This usually applies to most sub prime cards.  I always send CO payment from my CU.  They receive the payment on the date I request from my bank and the next day my credit limit is restored.  I have a couple sub prime cards where they literally hold your account hostage for 5 days after taking your money.

[CreditCrusader]

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@coreyb80 wrote:

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@CreditCrusader wrote:

To build on what the others have suggested, pushing payments via your bank/credit union bill pay is the way to go...and not just for the AF.

Credit One is infamous for its S-L-O-W posting times relative to payments made on their website/app. However, payments made via bill pay post quite quickly.

My sister has their Platinum Rewards card. She pushes payments on Monday mornings and both the balance and available credit are updated the following evening.

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Agreed.  This usually applies to most sub prime cards.  I always send CO payment from my CU.  They receive the payment on the date I request from my bank and the next day my credit limit is restored.  I have a couple sub prime cards where they literally hold your account hostage for 5 days after taking your money.

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SDFCU did this as well. They posted the payment - which was basically a transfer from my checking account with them at the time - and then held the available credit hostage for FOUR BUSINESS DAYS.

After the third time they did this, I SD'd the card, closed the checking account, and then took my business elsewhere.

[Anonymous]

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@KLEXH25 wrote:

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@Anonymous wrote:

i have the same problem and i don't even use my credit one card anymore.. i've been saying i was going to close it for months now but i still haven't 😭

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@Anonymous Close the card!! What is the hesitation?

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@KLEXH25  it's my oldest card (2.5 years) and i know everyone says that it won't affect my age for 10 years or so but i'm still just scared. it's not that i don't trust everyone on here bc i have learned so much from this forum but idk why i can't do it 😕

[Anonymous]

It's an OCD thing. 

[KLEXH25]

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@Anonymous wrote:

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@KLEXH25 wrote:

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@Anonymous wrote:

i have the same problem and i don't even use my credit one card anymore.. i've been saying i was going to close it for months now but i still haven't 😭

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@Anonymous Close the card!! What is the hesitation?

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@KLEXH25  it's my oldest card (2.5 years) and i know everyone says that it won't affect my age for 10 years or so but i'm still just scared. it's not that i don't trust everyone on here bc i have learned so much from this forum but idk why i can't do it 😕

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Yeah, I kinda get it. I debated back and forth on closing my bucketed Cap1 card since it was my oldest, but I had just experienced an old Chase card aging off after 10 years, so I knew it was true. How old is your next oldest card/account?

[Anonymous]

@KLEXH25 my next oldest accounts were just opened in april. for over 2 years i only had the credit one. 

[zerofire]

Wow that is a riot. I would have thought a OpenSky or Discover It Secured would have been a better offer.

Basically you need to either suck it up and live with the small amount on Credit One or force Credit One to take your money by ramming it into their Federal Reserve Bank account from somewhere else. Overall your limits are too small to be concerned with right now. You should be looking into boosting the money in your credit lines as 300 is just above decline.