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.
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.
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