Kind of in a bind and upset....

So I paid my CSP down to 50% UTL and planned on paying off the other half next month. Then my mom charges an $850 flight on it on top of the charges she made in the amount of about $585. The $850 really drug me down and she's only able to give me about $350 on it. I'll still be able to pay it off next month, but it's a real bummer that I worked so hard to pay my other balances off just to get my Chase balance ran up even worse than it was. So my question is will Chase frown upon having 70% UTL reporting for 2 statements? I have 92% UTL on VentureOne (old BTs) and 52% on my Macy's, both will also get paid next month. The rest are either under 10% or 0. I'm really bummed that my score probably won't see a rise after all the statements cut

icyhot wrote:
I have removed her from one card to keep her from running that one up too, it's the Venture and the balance is only $200. I don't want to remove the CSP because she's going out of town and she'll need it for confirmation of the hotel and car I booked. I added her to help her credit but now I'm thinking it was a bad idea because she's the reason my Macy's balance is so high, and she doesn't seem to be able to grasp the concept of high balances = bad. So I don't know. I'm just trying to be a good daughter :-/You are NOT a bad daughter. I think it's really kind of you to help your mom. You might want to have a talk with her about when she uses your card that she needs to give you the cash (in full) right away so you can pay off what she's charging. If she's treating the card like free money, that's an issue and if she's an AU on your card, you will be held responsible for it, not her. If she cannot do this, you might want to remove her as an AU. I don't think CSP has 0% (?) so you are going to accrue interest on it as well. I would trust my parents as AUs (they have excellent credit, no debt) but not all family is necessarily trustworthy. I'm lucky to not have this problem with family but I see it with my fiance's family. His mom is constantly bailing out his younger sister (she's run up her cards again) and I told him that his mom really should stop bailing her out (his parents are in major debt as well, that's not helping them!). I know it's none of my business but if you keep bailing people out, they will never learn.

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