someone help a new credit card user...

[skim milk]

alright, i just got a credit card.. and i made my first purchase with it on june 23rd

i logged in on the website to see account summary on the credit card and it says statement closed on june 22nd (this means i can wait a whole month until they bill me? i missed the date by one day right?)

i want to make my payments online... i can just pay it right now instead of waiting?

just wondering.... this is a stupid question, but it doesnt hurt to ask. i'm just wondering lol....

 

[FoBoT]

credit card companies are glad to take your money anytime you are willing to send it, so pay away

 

[Nocturnal]

I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

 

[RossMAN]

Yes you can pay now assuming their website allows you to (some will not, unless your bill has been cut).

Or wait until July 22nd when your next statement prints then pay on July 23rd.

 

[skim milk]

Originally posted by: Nocturnal
I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

i want to pay it off full though, it doesnt make any difference when i pay it full, right?

 

[Ylen13]

Originally posted by: fritolays

Originally posted by: Nocturnal
I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

i want to pay it off full though, it doesnt make any difference when i pay it full, right?

no but why pay now if you can hold on to your money till the billing cycle closes?

 

[FoBoT]

pay it
pay it now

go ahead, make their day, pay the bill

i dare you , i double dog dare you to pay it tonight

live on the edge man!!!

 

[skim milk]

Originally posted by: Ylen13

Originally posted by: fritolays

Originally posted by: Nocturnal
I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

i want to pay it off full though, it doesnt make any difference when i pay it full, right?

no but why pay now if you can hold on to your money till the billing cycle closes?

i just want to pay it get it over with... who knows, i might not have the money when it is actually due or something

 

[Kenny]

Pay it now while you still have money.

 

[Ylen13]

Originally posted by: fritolays

Originally posted by: Ylen13

Originally posted by: fritolays

Originally posted by: Nocturnal
I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

i want to pay it off full though, it doesnt make any difference when i pay it full, right?

no but why pay now if you can hold on to your money till the billing cycle closes?

i just want to pay it get it over with... who knows, i might not have the money when it is actually due or something

then pay now

 

[chr6]

credit cards.. are the devil!

 

Originally posted by: Nocturnal
I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

Don't ever ever ever take financial advice from Nocturnal. In fact, do the exact opposite of what he says: pay the bill now. It won't hurt you, and you'll eventually have to pay the money anyway.

 

[FoBoT]

daaaaaamn!

 

[wfbberzerker]

Originally posted by: t60
Pay it now while you still have money.

good advice. better to pay when you know you can.

 

[flxnimprtmscl]

Originally posted by: fritolays

Originally posted by: Ylen13

Originally posted by: fritolays

Originally posted by: Nocturnal
I would wait until it says to pay this amount before this date. If you do not see that and you pay now it won't affect your minimum balance hence you will have to pay the min balance again at a later date.

i want to pay it off full though, it doesnt make any difference when i pay it full, right?

no but why pay now if you can hold on to your money till the billing cycle closes?

i just want to pay it get it over with... who knows, i might not have the money when it is actually due or something

Very good attitude to have. Doing it that way will potentially save you tons of trouble. That's the way I do things with my card too. Always worked well for me. IMO the 5 cents you make leaving it in the bank isn't worth it compared to the trouble you can get in if you mis manage your money and can't make the payment. Plus I just hate having any debt hanging over my head.

 

[Krakerjak]

I just got set up with a Visa recently, waiting for it to arrive.....

 

[machintos]

You can pay it now even if they haven't billed you yet.
Any excess of payment over the current balance will be credited toward future balances.
Pay now while you have the money, it won't hurt you