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so I can app for a chase
I think that all of those that you listed report the night of your statement date or the next day. I know that this is true of my BofA and Citi cards. The mystery is when the CRA's update.
It seems like about 80% of us here find that EX updates immediately, within 24 hours of the statement dropping, then EQ 2-3 days later, and then TU 3-4 days after EQ. The rest of us report EQ first, then TU and EX. But depending on the phase of the moon and other imponderables, this can change. That's what we have so many TrueCredit, CreditSecure, etc junkies here.
AmEx seems to update 2-3 days before the next statement, and they report the previous month's balance. So mine updated on 6/14, and they reported the 5/18 statement balance.
HSBC/Orchard reports on the last business day of the month, and they report the balance as of that day. BUT I have an HSBC Best Buy store card, and it reports a day or two after the statement date, so maybe the end-of-the-month schedule is for their bank cards.
Nothing is simple.
edit to add: Statement date means the day that it is posted. The due date follows 3 weeks or so later.
Statement date = post date = drop date = date that's printed on the statement. Look at your "view statements" option online, and click the drop-down. It will probably say something like 6/2/08 - 5/3/08 - 4/3/08 - 3/4/08 and so forth.
Message Edited by haulingthescoreup on 06-24-2008 06:00 PM
It seems like about 80% of us here find that EX updates immediately, within 24 hours of the statement dropping, then EQ 2-3 days later, and then TU 3-4 days after EQ. The rest of us report EQ first, then TU and EX. But depending on the phase of the moon and other imponderables, this can change. That's what we have so many TrueCredit, CreditSecure, etc junkies here.
AmEx seems to update 2-3 days before the next statement, and they report the previous month's balance. So mine updated on 6/14, and they reported the 5/18 statement balance.
HSBC/Orchard reports on the last business day of the month, and they report the balance as of that day. BUT I have an HSBC Best Buy store card, and it reports a day or two after the statement date, so maybe the end-of-the-month schedule is for their bank cards.
Nothing is simple.
edit to add: Statement date means the day that it is posted. The due date follows 3 weeks or so later.
Statement date = post date = drop date = date that's printed on the statement. Look at your "view statements" option online, and click the drop-down. It will probably say something like 6/2/08 - 5/3/08 - 4/3/08 - 3/4/08 and so forth.
Message Edited by haulingthescoreup on 06-24-2008 06:00 PM
They report statement balances, but not until about 3.5 weeks after the statement. To control the amount they report, just make sure your statement balance is $0, and it will eventually report, even if it takes a while to show up.
esshua wrote:
It has taken 4 months for me to kinda/sorta understand AMEX's reporting process. I've been PIF every month, but I just can't get it to work right... I've decided pay them a couple times per month and call it a day!
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip.
)
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip.
)
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