When cards report

[aesl1982]

Lol I meant autopay **bleep** phone

[SouthJamaica]

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@aesl1982 wrote:
Thanks. The other two cards are total visa and merrick bank. The statements balance reporting helped clarify things. Basically statement cuts after payment is due. So payments will be reflected on the statement. My autopsy is on the 7th so if I pay on the 6th I should be fine

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Sorry, I have no experience with either of those.

[SouthJamaica]

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@SouthJamaica wrote:

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@aesl1982 wrote:
Thanks. The other two cards are total visa and merrick bank. The statements balance reporting helped clarify things. Basically statement cuts after payment is due. So payments will be reflected on the statement. My autopsy is on the 7th so if I pay on the 6th I should be fine

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Sorry, I have no experience with either of those.

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Sorry to hear about your autopsy. You seemed to be doing so well, too

[aesl1982]

Well I did it this morning. Paid off all four cards down to $10 each.
Cap one- 10/500 was 510/500
Cap one- 10/500 was. 508/500
Total visa- 10/300 was 278/300
Merrick bank- 10/550 was 548/550
Nfcu- secured not reporting yet - 10/200

Hope to see a nice jump

[Anonymous]

This is good info.

[SouthJamaica]

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@aesl1982 wrote:
Well I did it this morning. Paid off all four cards down to $10 each.
Cap one- 10/500 was 510/500
Cap one- 10/500 was. 508/500
Total visa- 10/300 was 278/300
Merrick bank- 10/550 was 548/550
Nfcu- secured not reporting yet - 10/200

Hope to see a nice jump

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It would be better for your mortgage scores, and possibly for your others as well, to have 3 of the cards reporting a zero balance.

But yes you should see a nice jump.

[aesl1982]

That’s why I thought also. But my lender and real estate agent is totally against me doing that. They wanted it this way. I tried arguing with them but hey he’s getting the loan approved guess I gotta listen to him

[aesl1982]

Every though I’m the AU on these cards. AZEO still work?

[SouthJamaica]

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@aesl1982 wrote:
Every though I’m the AU on these cards. AZEO still work?

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I don't know, sorry.

I just know that the mortgage scores like to see a lot of zero balances.

[HeavenOhio]

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@aesl1982 wrote:
That’s why I thought also. But my lender and real estate agent is totally against me doing that. They wanted it this way. I tried arguing with them but hey he’s getting the loan approved guess I gotta listen to him

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I'd ask them why they want it this way. If it's because they believe that you'll get the best possible scores, they're wrong. If they tell you that the bank perfers a lot of balances, that'd be different. But it makes no sense. In addition to hurting your score, balances on all cards will add to your DTI.