CWAL

Thanks

Can you clarify a few points:

1) Was this due to paying charges early?
ie. CL=10
Charges Mon=5
Charges Tue=5
On Wed, Mon charges post but not Tue charges, making 5 "available to pay". Friend paid 5 twice. Internally to WF, the balance may show negative at this point even though you have 5 more of pending charges?
On Thu, charges from Tue post and both payments of 5 post, making balance 0.

I notice MANY times online and on statements that WF has calculated that I am using more than my CL, but this is just due to how they backdate the charges from post date to trans date, and being unable to pay charges until post date..

2) How long was balance negative?

I have been sticking with the theory of never paying an amount that would, when added to my available credit, be greater than my CL, and also never paying anything that I have purchased that day (ie, pay in the morning, charges in the afternoon).