Credit Card Center Advertiser Disclosure†
09-20-2012 01:09 PM
I was approved on 8/30, got my card on 9/7 and it hit my reports on 9/13. It also showed as a good tradeline for the month of Auguest which I did not expect.
IME, regardless of when a CC begins to report, the "opening date" on our CR is the date you were approved because that's technically the date the acct was opened.
09-20-2012 01:18 PM
09-20-2012 01:30 PM
I assumed as much in this case. I thought my experience was different with cap one, but I could be mistaken.
The same for me with HSBC/Orchard bank...it didnt report until the statement was mailed
09-20-2012 01:30 PM
09-20-2012 01:33 PM
Sorry to hijack and this really doesn't matter at all, but I was curious so went back to dig it up. I was approved for Cap One the last week of January. As we all know, they are slow and I didn't receive and activate the card until Feb 17th. My credit report doesn't have anything for Cap One for January so I guess it's either a difference in providers or perhaps it just varies from person to person.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.