@Anonymous wrote:
I always pay minimum payment before due date. I’ve said so many times and keep getting reminders to so from this post. I don’t need that help you guys and that’s not what I asked for in the first place. Thanks for your concern however it’s not warranted.
Not that’s it’s anyone’s business but I have a spreadsheet and it takes me 5min/week to update it. So I’m not wasting TOO MUCH of MY OWN TIME.
Side note: think about how you’re replying. I’ve been on this forum for a while but some newbies could see this as uninviting/rude and leave.
Rant Over.
To be honest, your question is a bit unorthodox in that it appears that you were trying to wait until the last minute to pay your CC bills. I was curious as to what the benefit was, because on the surface, its risky, and I had to assume that there was much to gain in order to assume that much risk. To me, it didn't seem that there was much upside to doing so, and maybe you knew something that I didn't.. You stated that you didn't even know how much it is helping you. Then you clarified in message #13 that a lot of times you paid the minimum days before and then a larger sum before the cutoff time. Now you say you ALWAYS pay the minimum first before the larger sum before the cutoff time. Added some confusion there.
If you were paying BEFORE the statement cuts, not sure why the minimum payment a few days before is even needed, because you won't be late if you do miss the cutoff time. Once it cuts, paying the minimum first, and then a larger sum just before the DUE date makes sense.
There was a little confusing information presented to me when I was trying to figure out the benefit of your payment habits. But I can see from your responses that you are coming across defensive in your replies to me and others.
