When Do Lenders Report?

[masscredit]

I was just viewing my Credit Karma. My JCP statement closes on the 2nd. I close to paid it off on the 4th. The balance on the 2nd was showing last week and now the new lower balance is being reported.  I thought they all report the statement balance a few days after the statement closes and that is it until the next month.

[Dustink]

They can be pretty random sometimes. At least it worked out in your 4avor this time.

[masscredit]

True. But I plan my purchases/card use based on when cards close/report. So a card that closed on the 30th is getting use the beginning of the month and then I'll start using one after another one closes on the 14th.  Then I pay accordingly to lower utilization even more when I'm either going to app for new credit or request a CLI.  

[Dustink]

You would have to call up the bank to **bleep** it over time on your own. Even that is hard, because pending transactions can throw off you figuring it out.

[DesertLife]

When I **bleep** called AMEX to ask about when they **bleep** report **bleep** to the **bleep** credit bureaus, they told me they didn't know and if they did know, they couldn't tell me for security purposes. **bleep**, I was able to get them to tell me they report around the **bleep** (4th) to sixth (6th). I think this is true **bleep** my CSP also as my statement closes on the seventh (7th).

**bleeps** were added for effect....sorry, but I **bleep** with all the hoopla about them, I should see a few myself 

[Dustink]

That sounds about right for Chase.

US Bank also told me they report a few days before the statement date.