Chase reporting?

[Anonymous]

I assume Chase reports to all three bureaus.

That said, when do they report? My Disco only reports when the statement cuts. Does that hold true for Chase? I want to make sure my util reports low, especially the first three months, seeing as I need to spend $500 over the three months and only have a $500 SL.

Thanks!

[Anonymous]

Mine reported to all three between 5-7 days after my statement cut. Not sure if that holds true for everyone, but don't see why it wouldn't? 

[fltireguy]

One interesting thing with Chase - 

They will also force an udpdate automatically when you pay your balance down to zero at any time - for example, you had a statement balance, and you made a payment, but you did not PIF. If you PIF at any point (after the due date) it will automatically update. 

[Anonymous]

I'm officially hijacking at this point, but THANK YOU for that information! That's certainly a strange quirk! Wish everyone did that.

[Anonymous]

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@fltireguy wrote:

One interesting thing with Chase - 

They will also force an udpdate automatically when you pay your balance down to zero at any time - for example, you had a statement balance, and you made a payment, but you did not PIF. If you PIF at any point (after the due date) it will automatically update. 

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That's very good to know... Other than that they don't report mid-statement though?

[Anonymous]

I've had Chase report with the same pattern I've noticed for Cap1. My statements cut 3 days after my due date, and then the statement amount is reported 3 days after it is cut. I have noticed it being 2 days later a couple of times, but for the most part the 3 days holds true.

[Anonymous]

My chase card recently closed with a hefty balance (23% util) due to a charge I made for a client. So the statement cut with the balance, as soon as I received the invoice payment from client, I of course paid the chase card. I noticed that they did a mid-cycle report and reported the zero balance. I called and was told that they do that - pretty cool. I was also told that, at thier discretion, they will also mid-cycle report high utilization as well. She didnt give me any thresholds, however.  

I wish Amex did that, my BCP just closed yesterday/last night with a balance (it closed earlier than I thought) , while not detrimental, would be nice when the payment posts tomorrow, they'd re-report it. 

[EAJuggalo]

I've never had them mid-cycle report for high utilization and I've had mine up to 99%.  But they have reliably reported every time I pay it down to zero.  Now for some reason they don't like to make my credit available for a week after I've paid, but that's a separate issue.

[Anonymous]

Thanks, all! I've noticed that (on TU, anyway) they still have yet to report for the first time. Looks like they're waiting for the first statement.

[marcforza1]

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@fltireguy wrote:

One interesting thing with Chase - 

They will also force an udpdate automatically when you pay your balance down to zero at any time - for example, you had a statement balance, and you made a payment, but you did not PIF. If you PIF at any point (after the due date) it will automatically update. 

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That's good info to know. I made my first payment three weeks before the 2/17 due date even though it wasn't a PIF payment. Plan on making another payment on 2/15, since I noticed that the payment will be pending for almost 24 hours.