@Anonymous wrote:Nice thread hijack from the O.P. to this last page. I'm not a fan of autopay, but I'm not going to preach about why I'm not. To each their own.
I also use a spreadsheet and I can proudly say in my 55 years of existence, and the last 5 years using a spreadsheet, I've never missed a payment. Stuff will happen, like recently when I accidentally let a $10.05 charge on my Lowes card report. I like to PIF before they report. Not a big deal but for some reason my EQ actually went up right after it reported!
Glad you caught it O.P.!
I don't know where you see a thread "hijack." As in life, conversations diverge off to other topics. This also happens routinely on message boards/forums. It would be a thread "hijack" if we completely ignored the OP, but that's not what happened here. I've read many of threads on here where I learned something new from a post that diverged from the OP. I suspect, others have as well.
Open, I'm right there with you! 
@LadyJEsq wrote:
@Anonymous wrote:Nice thread hijack from the O.P. to this last page. I'm not a fan of autopay, but I'm not going to preach about why I'm not. To each their own.
I also use a spreadsheet and I can proudly say in my 55 years of existence, and the last 5 years using a spreadsheet, I've never missed a payment. Stuff will happen, like recently when I accidentally let a $10.05 charge on my Lowes card report. I like to PIF before they report. Not a big deal but for some reason my EQ actually went up right after it reported!
Glad you caught it O.P.!
I don't know where you see a thread "hijack." As in life, conversations diverge off to other topics. This also happens routinely on message boards/forums. It would be a thread "hijack" if we completely ignored the OP, but that's not what happened here. I've read many of threads on here where I learned something new from a post that diverged from the OP. I suspect, others have as well.
Open, I'm right there with you!
So what happens if you do pay a CC bill one day late for the very first time? It won't show on your CR, but does the issuer give you a black mark for future CLIs and preapprovals for their other cards? Just curious if people know more about this than I do.
@Anonymous wrote:
@LadyJEsq wrote:
@Anonymous wrote:Nice thread hijack from the O.P. to this last page. I'm not a fan of autopay, but I'm not going to preach about why I'm not. To each their own.
I also use a spreadsheet and I can proudly say in my 55 years of existence, and the last 5 years using a spreadsheet, I've never missed a payment. Stuff will happen, like recently when I accidentally let a $10.05 charge on my Lowes card report. I like to PIF before they report. Not a big deal but for some reason my EQ actually went up right after it reported!
Glad you caught it O.P.!
I don't know where you see a thread "hijack." As in life, conversations diverge off to other topics. This also happens routinely on message boards/forums. It would be a thread "hijack" if we completely ignored the OP, but that's not what happened here. I've read many of threads on here where I learned something new from a post that diverged from the OP. I suspect, others have as well.
Open, I'm right there with you!
So what happens if you do pay a CC bill one day late for the very first time? It won't show on your CR, but does the issuer give you a black mark for future CLIs and preapprovals for their other cards? Just curious if people know more about this than I do.
Fees and interest...which may or may not be occasionally waived.
@Anonymous wrote:
@Anonymous wrote:
@LadyJEsq wrote:
@Anonymous wrote:Nice thread hijack from the O.P. to this last page. I'm not a fan of autopay, but I'm not going to preach about why I'm not. To each their own.
I also use a spreadsheet and I can proudly say in my 55 years of existence, and the last 5 years using a spreadsheet, I've never missed a payment. Stuff will happen, like recently when I accidentally let a $10.05 charge on my Lowes card report. I like to PIF before they report. Not a big deal but for some reason my EQ actually went up right after it reported!
Glad you caught it O.P.!
I don't know where you see a thread "hijack." As in life, conversations diverge off to other topics. This also happens routinely on message boards/forums. It would be a thread "hijack" if we completely ignored the OP, but that's not what happened here. I've read many of threads on here where I learned something new from a post that diverged from the OP. I suspect, others have as well.
Open, I'm right there with you!
So what happens if you do pay a CC bill one day late for the very first time? It won't show on your CR, but does the issuer give you a black mark for future CLIs and preapprovals for their other cards? Just curious if people know more about this than I do.
Fees and interest...which may or may not be occasionally waived.
Right, only past dues of 30 days or longer appear on one's CRAs. Moreover, for the first late, any Issuer will gladly waive the fee/interest charged.
"Perils of not making multiple payments every month" or "Perils of allowing your cards to close with a balance"
or you could simply move the column with the due date on the spreadsheet 
