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Experience AA when making a large payment?

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youngandcreditwrthy
Senior Contributor

Experience AA when making a large payment?

So I owe $6528 on my Travelocity Amex... Only because I paid off $5600 of a bt then I used another bt check lol...

I want to pay the $6528 in FULL, but I'm slightly worried that Barclay's could AA me... My reports/scores haven't changed; they've increase quite a bit actually since I opened this account in March '12.

Or should I just pay the $2050 which changed to my dreadful 24.99% apr Dec 24th. I've not seen a statement with that rate yet and don't want to. The other $4500 is still at 3.99%.

I just don't want to pony up that much cash at once!!! Lol even though I have it. The last $2700 payment I made was reflected on my account in like two days....
I suppose I could pay off that pesky $1500 bal on my Paypal MC instead of paying $6500+ on that Trav Amex. I try to pay my debts according to their interest rate or PIF!:-)

Advice?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 7
6 REPLIES 6
ryanbush
Valued Contributor

Re: Experience AA when making a large payment?

I would pay according to interest rate, unless you have a card that you know is going to be coming up for a CLI soon.  Like for example right now I'm using my Delta Amex I got this month as heavily as I can and PIF that way I will be in the best shape for a CLI.  After I get that CLI my IT card will be eligable in march and I have been carrying a balance a 0% so after my CLI on the AMEX I will use the Discover heavily and PIF it a couple of times before I request a CLI

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 2 of 7
navigatethis12
Valued Contributor

Re: Experience AA when making a large payment?

I made a 3000? or something payment to them a while back and they held the available credit. I rang customer service and in less than thirty seconds the hold was lifted. I cannot imagine why they would close an account just because you make a payment to it.

Message 3 of 7
calihlove75
Established Contributor

Re: Experience AA when making a large payment?

This Barclays intimidates me more than Amex did. People constantly worry about them closing because of new accounts or inquiries but now worry over making a payment? I think I will stay away from them..lol

 

 

I cannot imagine they would close for paying in full. I hope not anyway.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 4 of 7
youngandcreditwrthy
Senior Contributor

Re: Experience AA when making a large payment?

LOL.. Well, I remember reading a post where Citi closed an account after a cardmember paid a $6000 pmt...
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 7
BearsAndTurtlesRtheBest
Senior Contributor

Re: Experience AA when making a large payment?

just stopped by to say that I amaze your credit because of your CLs they are just stupendous!!!! Hope to be in your feet with the cards I want. CYA!!!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 6 of 7
creditnocash
Valued Contributor

Re: Experience AA when making a large payment?

its 42 dollars for the 24.99apr and about 15 for the 2.99  

pay off what makes you pay the most, in this case its the 24.99 apr card. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 7 of 7
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