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Before? Used to be 2-3 payments a month on each credit card.
Now? Shoot, one payment a month, period.
It brought undue stress to me (or worry might be better said) and I am at complete ease now doing 1/month.
2 payments for the cards with balances( 4 to 5 cards)....thanks!
@Gggmen wrote:
Im a once a month type of guy. The only time i go multiple payments is if i had a big big purchase and i dont want my util to be too high.
This is me as well.
Usually one week after something posts.
Depending on which card I'm using, sometimes 4 or 5 times a month. Always before statement cuts. I only allow 1 account to show a balance.
I've never paid more than once a month for the 40+ years I've had credit. I still get my bills via USPS and usually pay 5-8 days before the due date. I apologize to all those lost trees, but with a paper bill, it's easier for me to keep track.
I know of someone who pays daily. When you think about it, it isn't much harder than sending a text message.
I find it easier to keep track of things if most balances are paid to zero most of the time. If I'm logging in anyway to check my balance and transactions, it's only a few taps of the trackpad to make a payment.
Along with that, I'm not very pain-tolerant when it comes to 4-digit payments. 2- and 3-digit payments aren't so bad. Also, being relatively caught up with payments makes it easier to monitor the state of my checking account.
Having said that, I have a couple of balances that I've been allowing to run up a little higher than usual. In one case, I'm looking at an upcoming CLI request. I don't know if average daily balance can help me, but I may as well cover that possibility. The other case is a CapOne account. I want to give them some extra cash at the end of the statement period to cover an auto-paid bill that's going to come in under the gun. CapOne allows you to pay 10% over your current balance. I need the balance to be high enough so 10% over will cover that bill.