When does a new card show up on reports?

[Kendro]

Opened an AMEX earlier in the month and the statement cuts 5/25. Can I expect it to hit my reports on 5/28?

[kevinjjc]

Sounds about right, it should appear a few days or so after the statement bill date. It will probably show up on EX first, EQ second, and TU last.

[bichonmom]

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@Kendro wrote:
Opened an AMEX earlier in the month and the statement cuts 5/25. Can I expect it to hit my reports on 5/28?

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Maybe yes and maybe no. Mine did report a day or two after the first statement cut. (TU was later, as usual.) But others here have reported their Amex not reporting until the 2nd stmt. So, YMMV.

[Mailak]

My BCP lists that it cut on 5/18 but I don't see new account information reported yet. Also, not sure why they didn't wait 30 days for a full first statement - it said it covered 11 days.

[Anonymous]

I'm not sure their is a deffinative answer on this one only because I too have recently opened a new AmEx Platinum card and I've had it about 3 weeks now and it hasent shown up yet?  Funny how the statement date was like two weeks after opening it and the closeing date was a month after opening it weird! 

[gettingstarted]

It just depends I opened my USAA Visa and it showed up the same day I opened Discover and it took 45 days YMMV

[bichonmom]

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@gettingstarted wrote:

It just depends I opened my USAA Visa and it showed up the same day I opened Discover and it took 45 days YMMV

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Amex is known for not reporting a new account for 1 to 2 statement cycles.

[Anonymous]

I hope in my case  it's two cycles because that whole end of statement only two weeks after haveing the card really threw me off so I guess I'm going to be carrying a balance on that statment I thought I was going to have until the end of the month before a payment was due which is true but the darn statement cutting after only two weeks put me carrying a balance.  Darn it!!! 

[bichonmom]

My first statement cut 2 weeks after activation (for both Zync and Costco) and reported w/balance. I also wasn't expecting it so soon, but fortunately had a small 5% bal so don't think it had much of an impact on FICO. I have ended up continuing to let my Amex stmts cut w/balances since they were low and also the Zync isn't supposed to affect your util.

Any dip will reverse if it reports 0 next month. So, unless you're planning on apping before then, you should be fine.

[Anonymous]

Thank you for sharing your experience I already paid in full and yes I don't really think it will do much since it's a Platinum card (charge card) not credit.  It's just my pride is all I was so close to an 800 I know now it's going to be at least 3 months before my score goes down and then back up but crossing my fingers that when it does it put's me to my goal, come on 800!!!!