Help!
Dunno if I should pay amex before it cut-off or just go with the flow, let it cut-off and pay on due. I wanna make sure I got everything ready for my CLI but my increasr is not until sept. Should I just pay it? Let it report? Pay it on due?
oh! My cut off is tomorrow.
Dunno if I should pay amex before it cut-off or just go with the flow, let it cut-off and pay on due. I wanna make sure I got everything ready for my CLI but my increasr is not until sept. Should I just pay it? Let it report? Pay it on due?
oh! My cut off is tomorrow.
trying to reach 800! 
But isn't that's part of revolver? U can have flexible payment. Geeeeee stressed now! :smileyconfused:
Yes 0% . Nt apping for anything, just waiting for my CLI in sept. What I was thinking is pay half today then half on due. How about that?
@Omnipotent wrote:
You could pay enough to keep it under 30% and keep the rest in the bank. Nothing like floating your expenses for security.
Don't do this!! Do not have any on going balance. I think Omnipotent is forgetting that the goal here is the 3X CLI. Once you get your 3X, you can do your 0% balance thing. As for PIF or PIF before statement cut, I don't think it makes much of difference. Amex sees that that activity. Only thing I can think of is that PIF before statement cut will help FICO score a little.
LIMITS IN CARD DESCRIPTIONS
Omnipotent wrote:
I rather have the money in the bank over the CLI but luckily managed both. It also depends on the rest of your cards.
And your overall credit score. But think of it this way. You have 2k limit, so you keep running balance of 1k. You don't get CLI. However you get the CLI, and you have a year to enjoy interest free use of 6k.
Crashem is correct. It really doesn't matter if you PIF or PIF before statement cuts unless you are worried about your FICO score (revolvers of course)
Charge cards, doesn't matter just make sure its paid.
Charge cards, doesn't matter just make sure its paid.
