Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 118
Registered: ‎01-04-2012
0 Kudos

Old Navy/GEMB Balance Reporting Time

Quick question. Approximately how many days after the due date does GEMB/Old Navy report your balance to the credit agencies? I realize this could be slightly different for everyone just curious as I usually avoid using my cards until after the balances are posted. This is a pretty recent card for me so I don't have the pattern down like my others. 


Thanks in advance! 

Established Member
Posts: 20
Registered: ‎02-20-2009
0 Kudos

Re: Old Navy/GEMB Balance Reporting Time

If you've received your first statement yet then you can look where it says last statement date, that will be your closing date and they usually report to the CRA's about a day or 2 after that last statement date.  I usually make the minimum payment by the date due and if I still have a balance then I'll try to pay if off a day or 2 before that last statement date.

Starting Score: 579
Current Score: FICO EQ659,EX682,TU725
Goal Score: 750

Take the FICO Fitness Challenge

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.