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How long until cc reports to cr

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crystal0920
Valued Member

How long until cc reports to cr

 I was just wondering how long after you get a credit card does it start reporting? I got my Cap one on 11/13 and has not shown up on  any one of the three reports yet.

Fico scores 6/1/14 Ex 680 Eq 668 TU 692

Cap 1 Unsecured $750 / Cap 1Secured $200 / Kay's $300 / BOA $500 partial secured / Badcock account $1,200

Denied: Kohls, Discover IT, Barclays, DCU
Message 1 of 7
6 REPLIES 6
ksantangelo23
Frequent Contributor

Re: How long until cc reports to cr

Generally after the first statement date, although some cards may report immediatly. My Discover was reported the day after I was approved, but my CapOne took a month.

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 2 of 7
madmann26
Valued Contributor

Re: How long until cc reports to cr

For me,

 

It took Cap1 2 months to report.

 

Current FICO 9 Scores



Message 3 of 7
fixmycred14
Established Contributor

Re: How long until cc reports to cr

Wow! I was just wondering the same thing.


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 4 of 7
takeshi74
Senior Contributor

Re: How long until cc reports to cr


@ksantangelo23 wrote:

Generally after the first statement date, although some cards may report immediatly. My Discover was reported the day after I was approved, but my CapOne took a month.


^ This.  It can vary but most report after statement close.  Take a look at your close date and add a few business days.  TU seems to take a bit longer than the other 2 to update in my experience.

 

It also all depends on which bureaus the creditor is reporting to.

 

There just isn't an answer of "X days" for every case out there.

Message 5 of 7
crystal0920
Valued Member

Re: How long until cc reports to cr

Thanks for the reply. I guess this being my first cc and a score of zero I am anxious to actually start seeing a score for me.

Fico scores 6/1/14 Ex 680 Eq 668 TU 692

Cap 1 Unsecured $750 / Cap 1Secured $200 / Kay's $300 / BOA $500 partial secured / Badcock account $1,200

Denied: Kohls, Discover IT, Barclays, DCU
Message 6 of 7
parkman
Regular Contributor

Re: How long until cc reports to cr

Holy canoli Cap 1 and GE take FOR-E-VER to report. I had my Care Credit paid off for 2 months before they reported, and it's been a while and Cap 1 still hasn't reported my cli.
All I have for this forum is bubblegum and anecdotal evidence, and I'm all out of bubblegum.
Message 7 of 7
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