As long as you didn't get hit with a late charge or over the limit charge, the computer probably won't pick up that you did anything wrong on the account.
Who is the card with. I know with my regular card they do not count it as OL as long as it is caused by finance charges and is brought down before the next statement date. I would call. Keep in mind, banks don't like to see high uti even on secured cards.
no, i did not get an overlimit fee and i have never been late. the card is with WF. it only has a 500 cl so i can easily pay it off a few months before my review period.
Normally CC secured or otherwise give few days grace before they charge you late. I am not sure how many days that is allowd. It could be different from one issuer to another. It happned to me once are twice and they said it is ok. However you never want to bring your balances to that level as it will hurt your fico score bad. Try to pay the balance before the statment closes so it wont report to CR. That way you can get the best of the both worlds. Also if possible ask them to increase your CL. My CU would increase the Limit even though it is secured card with out additional security deposit.
" no, i did not get an overlimit fee and i have never been late. the card is with WF. it only has a 500 cl so i can easily pay it off a few months before my review period.
does this help? what do you guys think? "
why you needs few months to pay off . pay it as soon as you can , your score will go up next month .
" no, i did not get an overlimit fee and i have never been late. the card is with WF. it only has a 500 cl so i can easily pay it off a few months before my review period.
does this help? what do you guys think? "
why you needs few months to pay off . pay it as soon as you can , your score will go up next month .
Because Dang, eveyone is in a different position to pay or not.
