Reports?

[megaman1]

Will CCCs report to the CB even though I have a $0 reported balance after the statement cuts?

Will I get a monthly statement from a CCC if I have utilized credit from them, but have a $0 reported balance after the statement cuts?

And CRAs will only show the REPORTED balances of each card (I know it's best to keep all, but 1 card reporting)  and not the TOTAL amount of credit utilized per card, right? Also, will the CL of each card be reported to the CRAs regardless?

[myjourney]

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@megaman1 wrote:

Will CCCs report to the CB even though I have a $0 reported balance after the statement cuts?

Will I get a monthly statement from a CCC if I have utilized credit from them, but have a $0 reported balance after the statement cuts?

And CRAs will only show the REPORTED balances of each card (I know it's best to keep all, but 1 card reporting)  and not the TOTAL amount of credit utilized per card, right? Also, will the CL of each card be reported to the CRAs regardless?

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Depend on the card some do some don't 

Do a search of the lender there's countless thread of who won't 

Good luck 

[SnackTrader]

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@megaman1 wrote:

Will CCCs report to the CB even though I have a $0 reported balance after the statement cuts?

Will I get a monthly statement from a CCC if I have utilized credit from them, but have a $0 reported balance after the statement cuts?

And CRAs will only show the REPORTED balances of each card (I know it's best to keep all, but 1 card reporting)  and not the TOTAL amount of credit utilized per card, right? Also, will the CL of each card be reported to the CRAs regardless?

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My experience with ALL of my credit cards (Chase, Cap1, Amex, Citi, Barclays) has been that they DO report and generate a statement with a $0 balance. This helps utilization drastically. 

Obviously, it will be different for each lender, but statement generation is pretty automatic for the big lenders so there shouldn't be too much to worry about there. Only way to find out is to try. Best of luck to you!

[megaman1]

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@SnackTrader wrote:

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@megaman1 wrote:

Will CCCs report to the CB even though I have a $0 reported balance after the statement cuts?

Will I get a monthly statement from a CCC if I have utilized credit from them, but have a $0 reported balance after the statement cuts?

And CRAs will only show the REPORTED balances of each card (I know it's best to keep all, but 1 card reporting)  and not the TOTAL amount of credit utilized per card, right? Also, will the CL of each card be reported to the CRAs regardless?

---

My experience with ALL of my credit cards (Chase, Cap1, Amex, Citi, Barclays) has been that they DO report and generate a statement with a $0 balance. This helps utilization drastically. 

Obviously, it will be different for each lender, but statement generation is pretty automatic for the big lenders so there shouldn't be too much to worry about there. Only way to find out is to try. Best of luck to you!

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I have Discover It, Chase Freedom, and AMEX BCE, so I think they would all report regardless.

[Luscher]

Discover does not generate a statement if you do not use the card but if you use it and have a 0 balance, (paying during the month) then it will still be reported and a statement will be generated.

[myjourney]

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@Luscher wrote:
Discover does not generate a statement if you do not use the card but if you use it and have a 0 balance, (paying during the month) then it will still be reported and a statement will be generated.

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CORRECT