Cap one cc question

[Anonymous]

Does this credit card report to all 3 CRA's

To date I am only showing it listing on 2 on my credit report.

[aamex]

To my knowledge, it does. They do for me. 

[Anonymous]

Yes they do. Is this your first statement? New CC's always take longer to show up on TU for me.

[Smug]

Yep....all three give it time might take a few months

[Anonymous]

Come to think of it, DW's didn't show up until the 2nd statement (on any CRAs).

[Walt_K]

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@Anonymous wrote:

Does this credit card report to all 3 CRA's

To date I am only showing it listing on 2 on my credit report.

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I have the same issue.  I have had a couple capital one cards in the past and they have always reported to all three CRAs.  I currently have a Capital One Classic Platinum MC with an AF of $39 that I got as my first card when I started rebuilding.  But it only reports to TransUnion and Equifax.  I don't know why it doesn't report to Experian.  I suppose I should call and ask them to report it to Experian as it has a $0 balance and I've never been late.  I don't know if they would if I asked, but it can't hurt.

ETA: For me, it has nothing to do with first statement either.  The card was opened in June of 2009.  It just doesn't report to EX.

[Open123]

Not sure if there's a correlation, but I had the same issue with my HSBC.  It had not reported to Ex for about 3 months, but just showed up today.  Maybe the same glitch with Cap One on Ex?

[CS800]

They have been reporting to all 3 CRA's in the past 4 years.

But be careful, sometimes they dont report on time or report every 60 days but if youre late by even 1 day, they will report it very fast.

[john398]

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@CS800 wrote:

They have been reporting to all 3 CRA's in the past 4 years.

But be careful, sometimes they dont report on time or report every 60 days but if youre late by even 1 day, they will report it very fast.

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I thought you had to be 30 days late for a late to report......do they really report 1 day late? I never plan to have one but just curious

[Anonymous]

You are not reported to a cra for being one day late (e.g., payment is due on August 1 and your payment arrives August 2.)   But if 30 days later is August 31 and your payment arrives September 1 (when it was due August 1), then you are reported as being late.

Some companies such as Citi finance will use the fact that you are one day late to raise your interest rate however (or they did in the past anyway.)