Now that have 3 credit cards at my disposal (plus my Amex), I figured it would be best to ask when the statement cuts for each. I called each of my companies and I got the following as to when my score cuts:
My Chase Freedom card ($1,000) cuts on the 3rd of every month
My Hawaiian Airlines World Elite Mastercard ($5,000) cuts on the 5th of every month
My Discover IT card ($4,500) cuts on the 19th of every month (but will not cut the first time until December)
So assuming that these credit card companies report after the statement cuts, when do the bureaus update the information that affects my FICO scores? Do they know not to just see my utilization as zero if I only have one card report a balance during the statement cut?
I'm sorry if this seems like a silly question!
