Chase + Discover Mid-Cycle Reporting - How long to wait to charge again after PIF?

[Anonymous]

Looking to get PIF mid-cycle reporting on both a Chase and a Discover card. Initiated PIF yesterday, Chase credited instantly, Discover not yet. As I understand, Chase will auto-report PIF after a few days, and Discover will be with a phone call to a CSR.

I have some very urgent expenses to put on both the Chase and Discover cards that will run up the balances very high once again. Has anyone had any experiences regarding whether or not Chase and Discover will still do the mid-cycle reporting if you put new charges on a card the same day you PIF? How about 1 day after the PIF is credited? 2 days?

Thanks for reading! Really appreciate it.

[gdale6]

For Chase 1 day after the PIF is registered is a pretty good bet but they may re-report with the updated balance if its a large charge. Welcome to myFico

[driftless]

Yes, I have paid my Chase cc's a few times mid-cycle when I thought that the balance was getting too high. Chase reported the zero balances immediately.

[Anonymous]

Thanks guys for the replies and for the welcome! Sounds good. I signed up for IdentityGuard for close monitoring. Letting the Chase sit for all of today at 0, then tomorrow will probably charge it all the way back up to its 9.5k limit again. Will report back whether or not they re-update the balance after zeroing it.

[driftless]

I would let it sit for at least 24 hours before charging it up again.

[Anonymous]

Agreed. I did the PIF yesterday, which Chase credited instantly. Hopefully having it sit at 0 from beginning to end of today will do it.

[SouthJamaica]

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@Anonymous wrote:

Looking to get PIF mid-cycle reporting on both a Chase and a Discover card. Initiated PIF yesterday, Chase credited instantly, Discover not yet. As I understand, Chase will auto-report PIF after a few days, and Discover will be with a phone call to a CSR.

I have some very urgent expenses to put on both the Chase and Discover cards that will run up the balances very high once again. Has anyone had any experiences regarding whether or not Chase and Discover will still do the mid-cycle reporting if you put new charges on a card the same day you PIF? How about 1 day after the PIF is credited? 2 days?

Thanks for reading! Really appreciate it.

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I just experienced the Chase mid-cycle reporting. After I paid the balance down to zero, they reported the zero balance to the bureaus about 11 or 12 days before the statement cut date.

This is a very nice benefit.

What I wonder about, is why they do it? Doesn't this make extra work for them?

[Anonymous]

Discover will report early if you just ask via online message - no need to call a CSR (who may or may not even know that they can do it or how to).

I had them do this last month.

[SouthJamaica]

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@Anonymous wrote:

Discover will report early if you just ask via online message - no need to call a CSR (who may or may not even know that they can do it or how to).

I had them do this last month.

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That's good to know, thank you.