Credit Cards

[alboto]

Sometimes it takes more than 2 statements to report.

[isoldmyatlas]

Maiden, sorry your thread is getting kind of hijacked

I too would be interested in knowing more about what triggers this with Discover...I just got the card earlier this month but haven't had a statement cut yet.

[SwampSystems]

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HiLine wrote:

If you guys have any tips on getting Discover to report your statement please let me know. I'm having trouble with Discover not reporting to the credit bureaus. I've been checking my credit reports everyday; my Discover account is still not recorded yet. I opened the card almost a month ago. 

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Mine reports almost immediately with the mid-cycle balance if I request a CLI.

[SportBike4Life]

Discover also screwed up my payment due date after I instated automatic minimum payments. =(

[maiden_girl]

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Walt_K wrote:

OP, did you do anything like change address, add AU, ask for CLI, etc.?  I'm interested in this practice by Discover.  I've done a quick search (by no means exhaustive) of other threads and the ones I was seeing had people stating they had done something with their account to trigger the mid-cycle report.

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No. I haven't changed my address or requested an increase. I did add an AU when I first got my card but that's been about 2 months ago. I just don't understand why Discover doesn't report the statement balance like every other creditor does. It's very odd and confusing. The only thing I updated was my phone number for my conatct information.

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isoldmyatlas wrote:

Maiden, sorry your thread is getting kind of hijacked

I too would be interested in knowing more about what triggers this with Discover...I just got the card earlier this month but haven't had a statement cut yet.

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 LOL thanks.

Check your statement cut date on your online account. It will usually tell you to check back when your statement closes at "this date". If you have a 0 balance at the closing period...you won't generate a statement.

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HiLine wrote:

If you guys have any tips on getting Discover to report your statement please let me know. I'm having trouble with Discover not reporting to the credit bureaus. I've been checking my credit reports everyday; my Discover account is still not recorded yet. I opened the card almost a month ago. 

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 My Discover card did not report right away. Most companies begin reporting before your receive a card but with Discover, they didn't report until I had account activity.

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YahComb wrote:
Had no problems thus far wIth discover. I had a statement close the 25th at zero and a new charge right after. Zero got reported.

Also no probs with boa gecrb or cap1 when i had one. Only time it happens with boa is when i make an account change, which maKes total sense so i have no issue there.

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 Weird!! YMMV I guess but it's soo frustrating!

[Walt_K]

BofA will mid-cycle report if you update your address even if you put in the same address. I wonder if changing your phone number is what did it? If you remember, please let us know whether it continues to do this next month or whether it returns to normal. I suspect that many of these seemingly random mid month reports from lenders like Discover are probably the result of the cardholder doing something and not being aware of it.

[maiden_girl]

I wonder what it possibly could have been. OH, you know what it probably was...I changed my billing preference from paperless to paper statements. I'll go this period and see if it does the same thing. I have a feeling it will tho. Once I pay off my Discover card (currently in a promo period), I won't be using it anymore. Its one of my lowest limits and not eligible for an increase until April

[nois]

I don't think mid-cycle reporting is standard practice for Discover. I can consistently control the balance discover reports each month by paying on (or before) the statement closing date - whatever balance is present at the end of that day is what they report for me. Since that is the only card I allow to report a balance, I can fine tune my reported utilization.