A few questions....

For just about anything you want to get off your chest about credit cards.
432521
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Postby 432521 » Wed May 23, 2012 11:13 pm

you could also change the day your bill is due if its an issue
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Snowman
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Postby Snowman » Wed May 23, 2012 11:27 pm

Crashem, I have created an online account but it says my statement date end 5/25 and then I should be able to see it.
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Postby Crashem » Wed May 23, 2012 11:33 pm

Call them. It should show the due date for the payment. Click the pay bill button and see what it says. Also, might want to set up payment accounts or do you have BofA account?
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Postby Snowman » Thu May 24, 2012 9:20 am

I can log on to bofas website with my account password and username and it logs me in it's just the bill has not been generated yet so idk my total charge yet. My other question was if I have a 25 day grace period and I have some more charges will ta be included in this statement (25th) or in the next one. I just do not want to be charged interest and all that.
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Capital one: Venture one-10,000, Visa Signature.

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Postby Crashem » Thu May 24, 2012 2:02 pm

Pay in full on what is due on statement by due date for no interest. Charges after statement date go on new statement
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Snowman
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Postby Snowman » Fri May 25, 2012 1:06 pm

Okay will do. Do you also think my credit utilization is too high? Because I have a 700.00 cl, but iv spent about 530.00 ( i Intend to pay off the balance when my next paycheck comes).
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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Postby Crashem » Fri May 25, 2012 3:49 pm

You can use card as much as you want. But if you don't pay outstanding balance before statement generates, you will have high reported utilization. Given this is your only credit card, high reported util will severely affect your credit score. Don't apply for any other cards. When you want to get another card, you need to have low reported utilization by paying any balance a couple days before statement closes. This way low reported balance will be reported and your fico score will be maximized. I would recommend shooting for 2 more cards after having the bofa card for 3 months. So make sure your reported util is under $70
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Snowman
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Postby Snowman » Thu May 31, 2012 12:57 pm

I'm planning to keep it low. I plan on paying off the balance tomorrow. After 3 months, what cards should I apply for? And I'll do m best to keep it low as possible.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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Postby Crashem » Thu May 31, 2012 7:41 pm

I forget. Are you a student with income?
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Snowman
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Postby Snowman » Fri Jun 01, 2012 12:39 am

Well, I plan on becoming a firefighter or maybe working for the CHP in a few years (when and if they start hiring). So for now, I live with my parents but I have a part time job as well as a host. Does that help a little bit?
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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