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?
Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013
