If its one thing I preach, patience and pay your bills on time. For the past few months ive been playing arount with reported util. and seeing what works best for me and well I got mixed up with which card reported what. I have 2 cc's with NFCU and one had a balance and the other didnt. I got mixed up and confused one with the other and lets just say I didnt realize I missed the payment till the day after its due. I called them faster than the roadrunner can outrun the coyote! After speaking with multiple CSR's I was assured over and over that its not a big deal and that they dont really take action until it goes 10 days past due. They looked at my payment history and see that I PIF every month a most of the time PIF before the statement even cuts.
I was really worried because my payment was due on the 6th and didnt call it in until the 7th but then the CSR told me it wouldnt post to my account till the 10th and my statement cuts on the 9th so I was extremely paranoid that they would report a late but they told me no they wouldnt cause A: its not 30 days late and B its in the system that I paid it so they would report I paid it but its just not going to post to my account till the 10th.
I take it this is now in their sytem that I paid a payment one day late and I can only hope this doesnt affect my request for a CLI down the road with them
Dodged a bullet there.
Another reason to only worry about utilization at app time. Not being late is much more important.
what about automatic bill paid ?