What is my credit card payment?

For just about anything you want to get off your chest about credit cards.
5 posts
shoptalk01
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What is my credit card payment?

Postby shoptalk01 » Sat Oct 13, 2012 7:37 am

Emergency question: On a rent application it was asking about my current bills and there was a space that said "credit card payment $________"

Here's the deal, I have 2 cards (Capital One and US Bank), I've used each card a few times but never a large amount and paid them off. When I filled out the application, I thought the correct answer was $0 because I sent payment in full, but I got an email that said it was impossible, if I've been using my credit cards my payment can't be $0. They want me to correct my mistakes and reply to be considered for the apartment.

My Capital One bill was $135 but I think it said minimum payment was $25. When it reported last the balance was $64. My online statement just came available yesterday and I sent the $135 payment to get the card cleared off.

US Bank reported with a $0 balance as soon as I activated the card, but according to Credit Karma hasn't reported since. When I placed an order I was confused by the website and ordered next day air by mistake, not a huge deal but when the annual fee was added on I had a $176 balance on a card with a $300 limit. When my online statement came available last week, I had trouble adding my external checking account so deleted it and added it again and somehow in the process sent payment twice, so now my online account is showing a $161 credit. All I have to do is fill with gas and take some friends to eat out and that $161 credit will be gone, so not a huge deal, just less to pay in a few weeks.

So how do I list my payment? Minimum due? Total I paid? What Credit Karma thinks my payment is? Also, should I be listing accounts separately or combined? I know it sounds pathetic but the 2 accounts I just opened are my only credit references.


jeffysdad
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Postby jeffysdad » Sat Oct 13, 2012 8:06 am

Tell those idiots that you do not carry a balance so you don't have a debt obligation. That's what they really want to know. If they're too stupid to understand that, just put in $50 and be done with it.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

DavidNY
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Postby DavidNY » Sat Oct 13, 2012 10:43 am

I would read that as how much you're obliged to pay this month, which would be the total minimum payments due.

jlam572
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Postby jlam572 » Sat Oct 13, 2012 12:06 pm

DavidNY wrote:I would read that as how much you're obliged to pay this month, which would be the total minimum payments due.


Yes I would read it the same way, total of minimum payments
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

kcarter609
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Postby kcarter609 » Sat Oct 13, 2012 8:46 pm

jeffysdad wrote:Tell those idiots that you do not carry a balance so you don't have a debt obligation. That's what they really want to know. If they're too stupid to understand that, just put in $50 and be done with it.


+1 to that. Tell them if they're that stupid then you don't want to live in a place operated by complete retards.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)



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