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I forgot to use my CC in Feb...

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castlefox
Regular Contributor

I forgot to use my CC in Feb...

I forgot to use my CC in Feb

 

I just checked online and my charge must have come too  that it skipped a Feb payment date and it says my next payment isnt due until March.  If I made a payment on the card would it still look like I made a payment on Feb? 

 

 

I was waiting for my payment for Janurary to clear before putting more money on the card, (so that my utilization stayed low).  Apparently this has bit me in the rear. 

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 1 of 4
3 REPLIES 3
john398
Senior Contributor

Re: I forgot to use my CC in Feb...

Well if you had a $0 balance and you did not charge anything no worries

 

Now if you had a payment due and missed it, more than likely its not 30 day late yet

Message 2 of 4
castlefox
Regular Contributor

Re: I forgot to use my CC in Feb...

No I didnt forget to make a payment.  

 

 

I just want to make sure I make sure to make all payments I can every month because I am desperate to a longer credit history.   I'll just go ahead with that $5.50 payment for Feb, lol.    

 

Im just so used to saving, its hard to spend money now.

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 3 of 4
MarineVietVet
Moderator Emeritus

Re: I forgot to use my CC in Feb...


@castlefox wrote:

I forgot to use my CC in Feb

 

I just checked online and my charge must have come too  that it skipped a Feb payment date and it says my next payment isnt due until March.  If I made a payment on the card would it still look like I made a payment on Feb? 

 

 

I was waiting for my payment for Janurary to clear before putting more money on the card, (so that my utilization stayed low).  Apparently this has bit me in the rear. 


I don't quite understand what you are trying to say but you don't have to use a card every single month to show activity. Every 2-3 months is probably sufficient. Your credit length history will continue even if you don't use the card for a month or 2.

 

Does that answer your question or am I way off base here?  Smiley Happy

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

 

 

Message 4 of 4
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