Perils of tracking CCs using spreadsheet

[Anonymous]

WHOA...I almost lost it there.  I track my CCs on a spreadsheet with payment due date in the last column (I know, stupid).  I paid most of my CC bills already for this month w/exception of Venture, Sapphire and Ritz C which I thought I would take care of this evening.  So I mosey on into the Chase site and payoff Sapphire and RC.  Then I go get a drink, come back and open up CAP ONE.  OMG...the payment is due no later than 11/07 8 p.m. and it's like 7:45.  Needless to say, I totally freaked out.  I paid off half  the balance at 7:53 and then thought, what the hell, and paid off the rest at 7:54.  I took screenshots of the transactions which show time and date pre and post payment.  But I have a perfectly clean credit record...no lates, no BKs, no nothings. ...and I almost ruined my unblemished record.  I need another drink.  And I really need to slap myself across the face. 

[kdm31091]

Id say its more about the perils of perhaps too many accounts vs how they are tracked. Some people simply cant/dont want to manage many accounts and a missed payment on your record certainly isnt worth it.

Maybe consider pruning your file? Get rid of some lesser used cards?

[bz386]

Setup automatic payments on all accounts and you won't have this issue.

[Cmikul]

Autopay will set you free

[Anonymous]

NO...never!     THEY'RE MINE....ALL MINE!!!!!!     Point well taken.  Thank you.

[elim]

Prism App is a great addition to spreadsheet tracking.   It gives countdowns to each bill and populates auto.  After you pay from anywhere (even from the app) they go poof.

https://www.prismmoney.com/.

[Open123]

I can't be the only one who sets all the cards due dates to around the same time of month, right?

[Anonymous]

+1 ^

Mine are all around the same time. I get paid 2x a month and my 1st check of the month pays all cc bills. Easy for me, just go down the list.

[Glkslngr]

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@Open123 wrote:

I can't be the only one who sets all the cards due dates to around the same time of month, right?

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Not the ony one! I like to have all mine set to the 1st of the month. 

[SisterGirl]

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@Open123 wrote:

I can't be the only one who sets all the cards due dates to around the same time of month, right?

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Nope ! And that changed for me 17 years ago when I started working for the State of Texas whom pays at the first of the month. I changed eachl due date to fall between 10th - 15th just for "wiggle room" & my bills hit my mailbox about the same time.