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I'm assuming this is a YMMV situation, but I just took the time to call all my banks change when my due date is, and while doing that asked when they report the CRA
this is what they told me.
Amex reports on your statement end date
Capital one 3 days after statement ends
Citi reports at the end of the month regardless of when your statement is
Chase the day after your due date
Discover week after your statement ends
Hope this helps!
@SnackTrader wrote:
When they report is very different than WHAT they report.
I have found all four of my credit cards to report the balance from the statement end date regardless of which date they submit this information to the bureau.
damn, I am way to lazy to call them all back again to verify what they are reporting on those dates, I will just have to check my report in the coming months to see what amounts the report
I wish I had thought of that while on the phone with them
but I know for at least some they did tell me it was the amount my card had on it on that date regardless of the statement balance, but I can't rememeber which ones
@SnackTrader
I see from your siggy that you have 4 out of the first that I have, so I can assume that is what they will be reporting...that was lucky
so now I'll just pay attention to what Discover reports