The wait now

Today I paid down the final two cards with the two of four checks I got yesterday. Now I have to wait three days, although I know it only takes a day and a half, for the checks to clear. Once they clear it's time to cancel those cards.

 

I foresee a difficulty, the check amounts were based on my credit cards statements from september, since it took so long for Banpais to give them to me I had paid one more month on the cards. This means that I now have a positive balance on all the cards I want to cancel. Im sure they will give me trouble when I want to cancel while still have a balance, albeit a positive one.

 

In HSBC and Citi I can request a new card and use the balance for something and then cancel. However on Promerica I was already on a payment schedule and had no card in my name. I hope they are ok with issuing a check for me. In fact I will ask a check from all of them.

 

I'm now thinking that they might still charge interests even if I paid in full because this was balance carried from previous months. I will have to check. I will go in with a positive but conservative attitude. We'll see. I'll keep you posted.

 

Good night