Not PIF but not minimum?

[Anonymous]

To an authorized user they certainly can.

[icyhot]

Well I'll call and tell them not to

[Anonymous]

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@Anonymous wrote:

I think the user here is broke triathelete (or something similar). Not that his was with an AU, but it is about what a despartate family member might do. 

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Agreed 100% Tortoise!! I don't think people think it through of how this can be done by AU. Good things to consider before putting someone on you account as AU.

[kdm31091]

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@icyhot wrote:
Well I'll call and tell them not to

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If you really want your mother to have no privleges to the account, you simply have to remove her as an AU. She can order a replacement card as an AU, so just because you don't give her a card doesn't mean she can't get one.

[Anonymous]

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@kdm31091 wrote:

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 She can order a replacement card as an AU, so just because you don't give her a card doesn't mean she can't get one.

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This is very true.

[Anonymous]

So, the consensus is - 2x minimum? 3x minimum? What is best

[Anonymous]

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@Anonymous wrote:

So, the consensus is - 2x minimum? 3x minimum? What is best

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On no authority other than my gut, I'd say the most possible is best, but I can't believe they differentiate any more than these:  min/more than min/pay statement in full/pay totally in full. 

Wonder what others think. 

I'm a 'round up' kind of gal. When I'm working on paying things down, I just round up to the next nice reasonable number. Example: our HD 0% interest accounts. My min pay is $88 and DH's is $156. I pay $100 and $200. When the amounts I was dealing with were smaller, I'd round up to the nearest $5, $10, or $25. (All extra money is going to taxes, not 0% cards right now.  )

[Anonymous]

Thanks for all the replies. I've always viewed credit as a way for me to live on what I already was going to spend. And sometimes spend what I knew was coming but haven't received yet. ( always have very large savings just in case) but I mean if I had the $ but wanted to buy something stupid say a TV. I could see myself charging it, paying 2-3x minimum for a few months and then PIF. Simply because if I wanted to pay it in full in cash on the spot then I would have. However my roommate who is arguing with me recently got 5 cards of 1k 1k 1k 2k 1.5k. 2 months ago. They're all maxed now and he's paying about 150$ a month across the board in minimums. I tried explaining to him its going to take years and years to remedy this but he's stuck in his mindset that is what they are for. Me personally if I maxed a card I might do lower payments for a while but only to pad my savings further and then one month just drop a whole bunch on a payment instead of saving. I love this forum. Everyone here seems to have a head on their shoulders

[ceejx]

I went 2 years paying minimums with maxed out cards, Chase 3k USAA 13.2k total over 3 cards, nfcu 17.5k .. Didn't affect my CLs, killed my scores until I paid them off though...and once paid off I got over 100k in new credit...

[Imperfectfuture]

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@icyhot wrote:
I was having a similar argument with my mom. I said "you should use credit cards for what you can afford to pay back in a timely manner" and she said "NO credit cards are for what you can't afford and just make the minimum payments" I wish I knew she had this mindset before making her an AU on my cards :-/

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Never too late to change.