@icyhot wrote:
So I paid my CSP down to 50% UTL and planned on paying off the other half next month. Then my mom charges an $850 flight on it on top of the charges she made in the amount of about $585. The $850 really drug me down and she's only able to give me about $350 on it. I'll still be able to pay it off next month, but it's a real bummer that I worked so hard to pay my other balances off just to get my Chase balance ran up even worse than it was. So my question is will Chase frown upon having 70% UTL reporting for 2 statements? I have 92% UTL on VentureOne (old BTs) and 52% on my Macy's, both will also get paid next month. The rest are either under 10% or 0. I'm really bummed that my score probably won't see a rise after all the statements cut
Not to get too into your business, but should you perhaps consider removing your mother as an authorized user? It sounds like she either a) was completey unaware of your financial plan, which is a bit worrisome if she has access to your credit or b) was fully aware and didn't care the least bit. To top it off...she made a huge purchase and clearly didn't have the funds to pay it off - and you got stuck with the remaineder (at least in the short term). That's $500 that could have gone to another debt (that may be collecting interest now).
That sounds like a ticking time bomb, sorry to say. You may want to re-evaluate, if you hope to pay down all of your debt without any more "surprises."
Good daughter means not letting your mom run up debt that she owes you, trust me it won't end up well in the long run. Now if you know she'll pay it back and is helping you get some points that she would have otherwise used her debit card or cash for then heck yeah I offer my card up all the time to those people 
