I hope I didnt mess up...Macys is having a huge sale on shoes right now

[ready2puke]

and I never buy myself anything. I went there since its my birthday on the 23rd and my Mom is buying me something. I bought two pairs of boots for $150 but to get the 60% off I had to put it on my Macys cc. I havent used that card in a year or so..
Is this going to be a problem if I pay it off say tomorrow with Moms check? Not filing til Jan.
I really needed some shoes. I think I buy shoes every 3 years or so...honestly..

[magyar123]

It might become a problem, because you charged the shoes so close to your filing. If I were you I would hold on filing until at least February or March.
Don't think that it will matter when and who actually paid for the boots.
By the way - Happy Birthday - in advance.

[PoorGrammyinBK7]

I don't think its a problem if you pay it off (and its less than $600 too). I would love to have a nice new pair of boots (sigh). Enjoy them!!!!!

[keepmine]

Nobody will worry about $150.

[relief13035]

I don't know the rules, but "a girl's gotta have shoes". If Macy's is paid off, how could they object?
I'll let you know how my case goes. I bought 6 pairs of shoes and also some clothes for work. I work in the professional world so it's a requirement to look dress nice. I just made the minimum payments right up to the time of filing.

[ansky0007]

If the card had a zero balance it would not make a difference because you are no going BK on the card account anyway. We just filed and our lawyer did not even list our cards that had $0 balances on them. So pay it off and dont worry about it.

[HHM]

Time to start living the lesson, if you cannot pay cash for the items and still pay your regular expenses, you don't buy it. So yes, in the 'big picture", you messed up.

[epiphany]

Time to start living the lesson, if you cannot pay cash for the items and still pay your regular expenses, you don't but it. So yes, in the 'big picture", you messed up.

Okay very true for the "big picture"....you need to get out of that habit.

However if this is an isolated transgression and you pay it off right away, there should be no problem with your BK--it will probably go unnoticed.

The problem lies with the thinking, although I think under post discharge circumstances, it's actually pretty smart to use the card to get the 60 percent off and then pay it off immediately. But your timing sucks.

I wish you hadn't told me about the sale. My Macy's card is the only one that survived the BK. Well, that and Fingerhut. But nope, nope, nope, I am not going to do it!

ep

[hopeforus]

i didn't even know fingerhut was still around lol

[epiphany]

i didn't even know fingerhut was still around lol

OH YEAH---they just sent me their BIG BOOK OF CHRISTMAS CRAP to peruse.


ep

[ready2puke]

I totally agree but I havent even touched a cc since

Time to start living the lesson, if you cannot pay cash for the items and still pay your regular expenses, you don't but it. So yes, in the 'big picture", you messed up.

July...I would not of been able to get the extra 20% without putting on the card. Its a birthday gift from my Mother and shes paying it...This is a special thing. I dont miss cc at all...

[ready2puke]

Sorry Epi !!!! It is a really good sale tho..I havent even been in a Macys

Okay very true for the "big picture"....you need to get out of that habit.

However if this is an isolated transgression and you pay it off right away, there should be no problem with your BK--it will probably go unnoticed.

The problem lies with the thinking, although I think under post discharge circumstances, it's actually pretty smart to use the card to get the 60 percent off and then pay it off immediately. But your timing sucks.

I wish you hadn't told me about the sale. My Macy's card is the only one that survived the BK. Well, that and Fingerhut. But nope, nope, nope, I am not going to do it!

ep

In a very long time. I usually buy my clothes at Costco and pay cash
PS I got a part time job selling credit card processors ( ya gotta love the irony), and I need to look nice when I go into business. In my own business I dress rather casual...

[ansky0007]

Time to start living the lesson, if you cannot pay cash for the items and still pay your regular expenses, you don't but it. So yes, in the 'big picture", you messed up.

I dont see any harm. You said your mother was paying for them. Take the check to macys and just give the check to macy's and pay the bill before the bill even comes. The statement will stay at $0.

[ready2puke]

Yep thats what Im doing tomorrow...Bill will be zero.. straight to credit department. Wont be hard..Im not a shopper, really dont enjoy it and Im certainly not as into shoes as most woman. I did buy some flip flops about 6 months ago lol....other than those I think its been 3 years since I bought shoes..Damn I deserve it and its my birthday!!!!!!!!!!!!!

[epiphany]

Yep thats what Im doing tomorrow...Bill will be zero.. straight to credit department. Wont be hard..Im not a shopper, really dont enjoy it and Im certainly not as into shoes as most woman. I did buy some flip flops about 6 months ago lol....other than those I think its been 3 years since I bought shoes..Damn I deserve it and its my birthday!!!!!!!!!!!!!

I loathe shopping and never buy shoes either so I do get it.

And you do deserve it! (just pay that damn bill, okay?)

Happy Birthday Early!

ep