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How do you remember to pay your CC on time?

tag
Smug
Established Contributor

Re: How do you remember to pay your CC on time?

Pageonce!
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 41 of 74
Anonymous
Not applicable

Re: How do you remember to pay your CC on time?

PageOnce for the phone to remind me

 

One Excel Spreadsheet that has all of my CCs, limits, APRs, balances, etc on it

One Excel Spreadsheet that has our household budget through the next 10 months

 

Both spreadsheets shared on 4-5 PCs for everyone to see in the house

Message 42 of 74
LS2982
Mega Contributor

Re: How do you remember to pay your CC on time?

I have 10 to manage. I'm probably the most OC out of everyone as a check on these cards every day online for any changes. I love having these cards because about this time next year ill have a solid history with them!




EQ FICO 548 3/3/16
Message 43 of 74
tinuviel
Moderator Emeritus

Re: How do you remember to pay your CC on time?


@Anonymous wrote:

On the website for each of our cards you can set up alerts.  The alerts can be sent by e-mail or, a text to your cell phone, or both.  We get an e-mail and a text when the statement is showing online.  I log in online and PIF and the deed is done -- easy peasy. 


I do the same thing; I have alerts set up on all of my accounts. But more than anything, I rely on having an obsessive personality that compels me to log into accounts on a daily basis, LOL!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 44 of 74
BlueNightStar
Regular Contributor

Re: How do you remember to pay your CC on time?

I'll admit to being totally OCD. I have a budgeting program that tracks all of my expenses and income. I can schedule future payments/deposits and see two years in the future where I'll be financially. I set up a recurring future payment of $0 on the day that each of my statements cut for my various CCs so I always know. I check it every day.

 

I think my OCD stems from completely ignoring my finances for years because of not having enough income and just generally not understanding the consequences of bad financial habits. Ignoring didn't make it any better (in fact, made it much worse) and now I'm trying to never let that happen again. I probably go overboard but if it keeps me financially solvent, I'm OK with that. I could have far worse habits Smiley Happy

Message 45 of 74
laboi_22
Established Contributor

Re: How do you remember to pay your CC on time?

Pageonce is amazing and free. I like Mint to for the iphone. These apps are great for managing your ccs

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 46 of 74
johnnie198x
Contributor

Re: How do you remember to pay your CC on time?


@LS2982 wrote:

I have 10 to manage. I'm probably the most OC out of everyone as a check on these cards every day online for any changes. I love having these cards because about this time next year ill have a solid history with them!


Arguably, because I do the same. Even though I have only 6 cards.

AmEx Blue Cash Everyday - $1,100 - need CLI or will close
BankAmerica Cash Rewards - $10,000
Chase Freedom - $10,000
Chase Sapphire Preferred - $5,000
Chase Ink Bold - $5,000
Citi Platinum Select - $2,600
Discover More - $4,000
Message 47 of 74
Anonymous
Not applicable

Re: How do you remember to pay your CC on time?

I set up all my bills on my Google calandar as recurring, and a calander widget for my desktop (Windows 7) that is tied to my Google calander. So I have my next 5 appts (due dates) showing. Also the Google calander gets updated on my phone as well.

Message 48 of 74
Scamp
Valued Contributor

Re: How do you remember to pay your CC on time?

I'm not nearly as high-tech:  I just have all my cc's statement/billing dates fall right around mid-month and pay them all out of my mid-month paycheck along with all my other monthly bills except my rent, which comes out of my first-of-the-month paycheck. Smiley Happy

_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Message 49 of 74
Anonymous
Not applicable

Re: How do you remember to pay your CC on time?

I use my iPhone callendar synced to my computer.

Message 50 of 74
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