My credit card limit is $300, I was supposed to pay my bill a month ago, but I had a problem and payed it late. So my balance was $399.54 and I payed the entire thing. Well I went online to check if the payment got there and now my balance is $0, but my Total Available Credit is also $0. Meaning there's no money I could take out of the credit card. But I payed my entire bill and they recieved it. Why are they doing this? I really need to use it right now and it's not letting me.
2007-08-22 09:38:53 · 4 answers · asked by Anonymous in Business & Finance ➔ Credit
But I went to take money out of the card it said -$99. When I payed ALL that I was supposed to pay.
2007-08-22 09:50:09 · update #1
For the 2nd person who answered:
Until what check appears? Do you mind explaining it please?
2007-08-22 09:52:47 · update #2
It's the first time I have ever paid the credit card late. As a matter of fact that was the first payment I've ever made, because I just got the card.
2007-08-22 11:41:01 · update #3
We don't know all of the details of your account but if your card was near the maximum limit and you did not pay it on time your balance was so high because you were hit with an over the limit fee as well as a late fee. Those to fees incorporated with any maintenance fees and interest and insurances can put a bills balance somewhere in that range. It is possible that your account has been frozen for "x" amount of days and will be reinstated after the time has elapsed or it is also possible that your account has been closed now that they have received their money. Contact customer service to find out all the details and I am sure they will be able to assist you. Good Luck!!!!!!!!!
2007-08-22 10:03:11 · answer #1 · answered by Babbs 1 · 3⤊ 0⤋
You were late and over your limit. They may have closed your account. Is this the first time you've been late and over limit? If this is a habit, they've decided you are too big a risk.
Late payments are not small things. Most folks pay their bills on time, well, at least the foks with decent credit scores.
2007-08-22 10:20:50 · answer #2 · answered by bdancer222 7 · 2⤊ 0⤋
There may be a delay in making credit available until the check clears.
2007-08-22 09:51:00 · answer #3 · answered by StephenWeinstein 7 · 2⤊ 0⤋
Call their customer service number. It may be a computer error.
2007-08-22 09:49:04 · answer #4 · answered by bear 1 · 2⤊ 0⤋