09-10-2012 08:41 PM
So I've only had my target card a couple of months and I've only used it a couple times. The problem is every time I pay the balance, the NEXT business day is when that balance reports to the CRAs. I used it on 7/6 and paid the balance off on 7/19. However, the balance showed up on my 7/20 usaa CMS even though the statement billing cycle didn't end until 8/5. And now the same thing happened today when I paid the balance off this weekend. (billing cycle ends 10/2) The card only has a $200 limit so I'm using a significant portion of the card each time I use it. I like using it for 5% off and free shipping. However, I don't like that every time I use it, the amount is reported to the CRAs regardless of when in the billing cycle I pay it off. Is there a way to get them to STOP reporting out of cycle?