Reply
Contributor
sarahcmgreen
Posts: 100
Registered: ‎01-28-2013

When does Capital One report new CC?!

I applied and was approved for a CapOne card at the end of December 2012 - still hasn't reported on my credit report! I have gotten my first bill and paid it before the due date - now I am in my second billing cycle.

 

How long did you have to wait to see it show up?


Starting Score: 585
Current Score: EQ Fico 690 | TU Fico 663 | EX Fico 675
Goal Score: 740


Take the myFICO Fitness Challenge
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: When does Capital One report new CC?!

They dont report until (i wanna say) a week or so after your second statement cuts. It took forever for my card to report.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Frequent Contributor
mnavas
Posts: 405
Registered: ‎02-04-2013

Re: When does Capital One report new CC?!

Same here it took two billing periods for Cap 1 to report my acc to the CRAs i know it takes forever to see the acc in the reports. On the bright side, it gives time to apply for other Credit cards without affecting your chances of getting approved for new accounts.
Valued Contributor
Burned2manybridgesB4
Posts: 1,405
Registered: ‎03-15-2012

Re: When does Capital One report new CC?!

Bad call. Hard pulls are visible by all creditors.

Frequent Contributor
mnavas
Posts: 405
Registered: ‎02-04-2013

Re: When does Capital One report new CC?!

I know but its worst when that new account is reported.. It hits your AAofA so chances of getting approved for other acc is lower than just having a hard pull showing up in your report..
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: When does Capital One report new CC?!

It reported for me sometime after the second statement but before the third. The timing was weird IIRC, so wait it out and it should show up eventually.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Burned2manybridgesB4
Posts: 1,405
Registered: ‎03-15-2012

Re: When does Capital One report new CC?!

Just keep in mind that app's ding your score too.

Frequent Contributor
mnavas
Posts: 405
Registered: ‎02-04-2013

Re: When does Capital One report new CC?!

Thats the downside but after a year or so.... It wont affect your score at all.. Of course if your planning to buy a car or a house is a bad idea to apply for new accounts.. But if you don't theres no harm. It looks better for creditors to have a good number of accounts than just having one that way your credit file wont be considered thin anymore
Contributor
sarahcmgreen
Posts: 100
Registered: ‎01-28-2013

Re: When does Capital One report new CC?!

I'm hoping it won't hurt my score any more than the inquiry did - My oldest account is 13.5 years and then I have one from about 6 years ago and now this card, so it'll bring my AAoA down a little .. but hopefully the new revolving account will help more. One good thing I have going is that this is the only inquiry I have had in the last 6 years (I guess that's one benefit of having bad credit - I knew not to bother even applying for anything!)


Starting Score: 585
Current Score: EQ Fico 690 | TU Fico 663 | EX Fico 675
Goal Score: 740


Take the myFICO Fitness Challenge
Contributor
TravisD
Posts: 94
Registered: ‎01-02-2013

Re: When does Capital One report new CC?!

Mine showed up about 2 months after it was activated.
........???................659 (FICO)................659 (TU08) ........

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+