Chase Freedom- Balance to $0 will they report to CRA's the next day?

[kathbos75]

We are looking to refi our house in the very near future and I need to increase my credit score ASAP. I read in the interwebs that if you pay down your balance to $0, Chase will report to the Credit agencies the next day. Does anyone know if this is true. My statement cut date just past which mean I would want to wait another month to start the app process if this is not true since they normally report right after a statement cut date. I have a Chase Freedom Card. 

[baller4life]

It's true. They report the $0 balance when you pif. One of the nice perks of Chase cards.

[Anonymous]

Yep.. definitely my experience that they will report when you PIF. Definitely an awesome benefit of being with Chase. 

[Anonymous]

I have heard they do this too. Just remember to not let all of your cards report a $0 balance because you will actually lose points that way. Keep one card (and only one card) reporting a balance somewhere between 1% and 9% for the best possible score (most people will say 1% is the best).

[kathbos75]

Excellent. Thank you. I called and asked and they gave me the standard 30 day response. Not sure if the woman I spoke to understood what I was asking. 

[taxi818]

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@kathbos75 wrote:

Excellent. Thank you. I called and asked and they gave me the standard 30 day response. Not sure if the woman I spoke to understood what I was asking. 

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Front line Csr's will not be able to help you with that. Just pay and give it a day or so and check your credit report.

[Anonymous]

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@Anonymous wrote:

Yep.. definitely my experience that they will report when you PIF. Definitely an awesome benefit of being with Chase. 

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+1  My experience as well.

[OmarGB9]

I have a follow up question to OP's question.

Does this policy apply to *all* Chase cards? Even the cobranded ones?

[baller4life]

Yes

[Anonymous]

Wow, ya learn something new everyday