topic Re: How long from approval to it hits the Credit Agencies? in Credit Cards

How long from approval to it hits the Credit Agencies?

Anonymous — Mon, 06 Apr 2015 15:59:44 GMT

In general by creditor does anyone know the policies or how long
an "appoved" card would take to report to the various CA's?

(or is there a thread like this?)

some matrix like :

AMEX - 2 days from x

Citi - next day from x

BOA - approx 2 weeks after i did Y.

Re: How long from approval to it hits the Credit Agencies?

Anonymous — Mon, 06 Apr 2015 16:49:12 GMT

For most it's a statement or two before it hits. For Barclay's, it's a day or two.

Re: How long from approval to it hits the Credit Agencies?

Anonymous — Tue, 07 Apr 2015 03:25:28 GMT

Can anyone reply for Pen Fed?

Re: How long from approval to it hits the Credit Agencies?

AzaleaB — Tue, 07 Apr 2015 12:44:02 GMT

@Anonymous wrote:
In general by creditor does anyone know the policies or how long
an "appoved" card would take to report to the various CA's?
(or is there a thread like this?)
some matrix like :
AMEX - 2 days from x
Citi - next day from x
BOA - approx 2 weeks after i did Y.

Your Amex reported 2 days after approval? Mine takes close to 2 months!

Re: How long from approval to it hits the Credit Agencies?

takeshi74 — Tue, 07 Apr 2015 12:51:44 GMT

@Anonymous wrote:
In general by creditor does anyone know the policies or how long
an "appoved" card would take to report to the various CA's?
(or is there a thread like this?)
some matrix like :
AMEX - 2 days from x
Citi - next day from x
BOA - approx 2 weeks after i did Y.

There's no set timeframe even with a given creditor for most creditors. AmEx varies widely. My Sallie Mae (Barclay) reported before I received it.

On top of that, the CRA's vary on how quickly they update (also a common discussion topic).

Re: How long from approval to it hits the Credit Agencies?

EW800 — Tue, 07 Apr 2015 13:16:51 GMT

My experience has been that the accoubt hits the reports when the first statement cuts, therefore up to a month. Barclay was my exception. They hit all three credit CRA's in about one or two days, well before I even had the card.

Re: How long from approval to it hits the Credit Agencies?

Kirmie2010 — Tue, 07 Apr 2015 13:25:05 GMT

Theres no thread and its seldom the same enough to guess.

My Paypal card reported 2 days after approval. Most major cards I have take atleast a week to a month to report.

Synchrony (for me) seems to update within 3 or 4 days.

GECRB took about a week and a half.

Capital One took a month and a half.

Discover, chase and all of those I dont remember exact, about 2-3 weeks.

Re: How long from approval to it hits the Credit Agencies?

Anonymous — Thu, 09 Apr 2015 03:19:39 GMT

TY All.

Any memories on PenFed?

I'm micro timing my Amex, SM, PendFed CC apps.

PenFed pulled my EQ a few weeks ago so I was getting itchy
to actually apply for the Rewards card and thought if they 3+ weeks
to report I could get the ball rolling and apply while
waiting for some updates/Score+ on my Amex/Exp and SM/TU.