When does Chase report?

[driftless]

If you have a balance due and you pay that balance down to zero anytime before your payment is due Chase will report to all 3 CRA's. Mid-cycle: any time between the due/report dates.

[joshall]

Yes, we know that.  Again, the question is, when do they report if you DONT pay down to 0?

[driftless]

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@joshall wrote:

Yes, we know that.  Again, the question is, when do they report if you DONT pay down to 0?

Statements, at least for me, cut 2 - 3 days after the due date and then are reported then or a day or so later. Be aware that pending charges can drop down to reported charges during the time between the due date and when the statement cuts. I have my accounts set for auto-pay PIF and often have small amounts reporting.