Okay, here's how January looked. Payment for credit card #2 comes out of my account automatically, unless I've made a payment earlier in the month. Since I made the payment manually on December 31st, the auto-payment didn't come out on the scheduled date. I didn't catch that during the month and so technically no payment was made to the higher credit card for the month of January. Although not paying that payment is a bad thing, it helped us to… Read the rest