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Delta Amex not reporting?

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Anonymous
Not applicable

Delta Amex not reporting?

Hello!

 

I got my Delta Amex on Janurary 1st with a $2k SL. 

I did the 3XCLI on January 20th. 

 

My statement closed on January 22nd but the account is not reported yet on my credit reports..

I am confused since my PRG reports the day after the statement closes. 

 

Is that normal?

 

I know Discover bump one month after each CLI but I don't think Amex does it. 

Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Delta Amex not reporting?


@Anonymous wrote:

Hello!

 

I got my Delta Amex on Janurary 1st with a $2k SL. 

I did the 3XCLI on January 20th. 

 

My statement closed on January 22nd but the account is not reported yet on my credit reports..

I am confused since my PRG reports the day after the statement closes. 

 

Is that normal?

 

I know Discover bump one month after each CLI but I don't think Amex does it. 


Yes that's normal.  American Express can take several months before they start reporting.

Message 2 of 16
Anonymous
Not applicable

Re: Delta Amex not reporting?

Several months?  The PRG reported hours after statement closed on my Experian Smiley Indifferent

Maybe revolving is different

 

Thank you Irish80!

Message 3 of 16
Anonymous
Not applicable

Re: Delta Amex not reporting?


@Anonymous wrote:

Several months?  The PRG reported hours after statement closed on my Experian Smiley Indifferent

Maybe revolving is different

 

Thank you Irish80!


Hard to tell with them.  They don't seem to be in any hurry

Message 4 of 16
Anonymous
Not applicable

Re: Delta Amex not reporting?

Well, that's good:

 

- I will not be able to pay in full before statement cut for next month (just booked a fist class round trip ticket to Paris -home-)

- I will not be tempted to apply for the Citi AA that requires me 1 year of credit history (problem would have been solved with the mini Amex backdating)

 

Thank you very much for your help!

Message 5 of 16
CreditCuriosity
Moderator Emeritus

Re: Delta Amex not reporting?

I would assume when they do report that they would report your statement balance?   My new Amex hasn't reported yet and closes on the 12th..  Paying it off before it closes/reports.  then will be using it again.   Hopefully they report statement balance vs. balance at the time they choose to report..  I can only guess as I am interested as well.

Message 6 of 16
TRC_WA
Senior Contributor

Re: Delta Amex not reporting?

I got mine on 12/26 and it reported about a week ago.

 

 

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 7 of 16
CreditCuriosity
Moderator Emeritus

Re: Delta Amex not reporting?


@TRC_WA wrote:

I got mine on 12/26 and it reported about a week ago.

 

 


statement balance or current balance at time that it reported?

Message 8 of 16
TRC_WA
Senior Contributor

Re: Delta Amex not reporting?


@CreditCuriousity wrote:

@TRC_WA wrote:

I got mine on 12/26 and it reported about a week ago.

 

 


statement balance or current balance at time that it reported?


The statement balance.

 

Billing cycle closed on 1/25...   myFICO shows new EX account notification on 1/27.... EQ 1/29.

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 9 of 16
Anonymous
Not applicable

Re: Delta Amex not reporting?


@TRC_WA wrote:

I got mine on 12/26 and it reported about a week ago.

 

 


I hope this means my Hilton card will start reporting this week. I got it on Dec 31st and the first closing date was 1/30. Still nothing. I want to see where my EX FICO is after both of my new Amex revolvers report, but now it's looking like I might be waiting until the second half of February. It's too bad they're not more like Barclays.

Message 10 of 16
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