Misc Credit Card Questions

[ben89]

not sure if this was discussed... if i order something online or over the phone with one of my added users credit card does it matter if they have the right name on the card or is billing address enough to be the same? (i want to split payments with two cc with different names on the cards)

[LoLo]

not sure if this was discussed... if i order something online or over the phone with one of my added users credit card does it matter if they have the right name on the card or is billing address enough to be the same? (i want to split payments with two cc with different names on the cards)

IME the name never had to match what was on the card, But possibly ymmv.

[yitrap]

not sure if this was discussed... if i order something online or over the phone with one of my added users credit card does it matter if they have the right name on the card or is billing address enough to be the same? (i want to split payments with two cc with different names on the cards)

Definitely not with Chase, I haven't come across it with others either

[theblakdavid]

not sure if this was discussed... if i order something online or over the phone with one of my added users credit card does it matter if they have the right name on the card or is billing address enough to be the same? (i want to split payments with two cc with different names on the cards)

Name on card never has to match ime. Neither does billing address, just billing zip. They technically can tell if it doesn't, but charge goes through if the zip is right, unless high amount, suspicious, etc. I tried this hundreds of times with tens of different sites.

[CS91]

What's the deal with "Error Code 126" on MPX? Used the app fine last week but now I keep getting an error code.

[shmooz]

I need to make a a large United airlines purchase on my chase card, but i want it to come out on my next cycle. it is too late to change the statement closing date.

 my statement closes on thursday, if i make the purchase on wednesday(the day my hold expires), is there any way to know if it will post this month or next?

[CS91]

I need to make a a large United airlines purchase on my chase card, but i want it to come out on my next cycle. it is too late to change the statement closing date.

 my statement closes on thursday, if i make the purchase on wednesday(the day my hold expires), is there any way to know if it will post this month or next?

Change your statement date to close tomorrow.

[shmooz]

I tried they said its too late and needs to be done much earlier. Is that correct?

[CS91]

I tried they said its too late and needs to be done much earlier. Is that correct?

Just call them back and say you want your statement to close on the 2nd of every month. Ignore what they say about it only talking effect next billing cycle. It'll close tomorrow.

[shmooz]

Ok will do thks

[Schneur22]

If I have $10,000 credit line, and my balance is $9,600, is it bad? (I'm paying it off before my closing date)

[chinagel]

yes

[LoLo]

If I have $10,000 credit line, and my balance is $9,600, is it bad? (I'm paying it off before my closing date)

Most banks won't report your balance mid-cycle, but it can happen.

[Zalc]

If I have $10,000 credit line, and my balance is $9,600, is it bad? (I'm paying it off before my closing date)

If you pay it before your Statement closing, and your bank reports the statement balance, it shouldn't affect anything.

What bank is?

yes

Since when does this affect you (assuming it is paid off before the statement)?

[chinagel]

Most banks won't report your balance mid-cycle, but it can happen.

If you pay it before your Statement closing, and your bank reports the statement balance, it shouldn't affect anything.

What bank is?
Since when does this affect you (assuming it is paid off before the statement)?

ime banks will report a large balance mid-cycle

[Zalc]

ime banks will report a large balance mid-cycle

Good to know. What banks did this to you?

[LoLo]

ime banks will report a large balance mid-cycle

I've had 95% util. on large credit lines many times with Chase and amex, was never reported mid cycle.

[chinagel]

I've had 95% util. on large credit lines many times with Chase and amex, was never reported mid cycle.

and ive had multiple times reported at the end of the statement even though i paid it off by then they reported that i had a high balance of x

[LoLo]

and ive had multiple times reported at the end of the statement even though i paid it off by then they reported that i had a high balance of x

Doesn't make sense, where do you check your reports?

[chinagel]

Doesn't make sense, where do you check your reports?

i get them from the cr and read them and see balances that i know i paid off b4 the statement closed