Proper Use of Credit Cards for Rebuild

[creditstalker]

@gdale6

9% of the combined balances?  Or 9% of that one particular credit card?

Thanks!

[gdale6]

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@creditstalker wrote:

@@gdale6

9% of the combined balances?  Or 9% of that one particular credit card?

Thanks!

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The answer is in red and all other cards at 0

[Anonymous]

Register on the Cap One website, and link your cards and your checking account for making online payments. Once they are linked you can see the relevant dates. If they have the same due date, request one of them be moved back two weeks. That way you can use one card for household expenses, groceries, gas, until 4-5 days before the due date comes up. At that point, you stop using it, and start using the other card. You pay the first one before the statement date, which is three days after the due date. You should let one of them carry a small balance of ten dollars or so.

[keepwhattime]

JayRhom I got two Capital one cards on same day a month ago, they have different due dates.If you go online and link your cards easier to manage. I learned the hard way advice given is right stop using the cards 5 days out from your cycle closing date. I thought I was safe had paid down prior to closing date. Capital One never posted my last two charges until my cycle date end, which was to late to make a payment, and that is what got posted to CR. So my UTI was at 35%. 

I did find out my cycle dates from sending capital one support an email and they responded in a day. 

[Anonymous]

Thanks for all the advice.  I linked the cards, but still don't see any date information as of yet.  I'm sure that will populate eventually.

[Anonymous]

It may not show until your first statement is cut.

[Anonymous]

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@Anonymous wrote:

It may not show until your first statement is cut.

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In that case, I'll keep the usage fairly low for the first month so I know what the dates are going to be before I screw this opportunity up.  Thanks again.

[Anonymous]

With my wifes new account, it looks like the first statement closed out a few days (3 days from the looks of it) after activation of the card, and ten days from the actual opening of the account, according to the statement.