topic Re: push statement in Credit Cards

push statement

Anonymous — Fri, 07 Aug 2015 15:10:32 GMT

Hi all! So I am able to pay all my credit cardsoff but it wont be until 2 days after the statement cut. Have any of you had success with credit card companies pushing the statement date so it reports to 0?

Re: push statement

OmarGB9 — Fri, 07 Aug 2015 15:40:27 GMT

I think Chase does mid cycle reporting, so even if your statement cuts with a balance, they'll report zero once you PIF.

Re: push statement

Anonymous — Fri, 07 Aug 2015 15:59:41 GMT

I am paying off two capitol one credit cards.Do you know if they do midcycle reporting?Its important to me because my utilization is at 90% and i am finally able to getit down to increase my score in order to qualify for better cards.

Re: push statement

Anonymous — Fri, 07 Aug 2015 16:07:50 GMT

keep in mind too that if you can pay of fat least a decent portion then that's better than nothing. also, if you let it report really low next month your scores will go up again. utilization doesn't remember your previous month. you'll be okay. your negative effects will only be for a month or so.

Re: push statement

ojefferyo — Fri, 07 Aug 2015 16:09:51 GMT

I haven't heard of Cap1 doing mid cycle report or report on request.

Re: push statement

Anonymous — Fri, 07 Aug 2015 16:19:38 GMT

Awesome! I was hoping to getit to 0 in this cycle because im getting married next year and if i can get to the 10% utilization i can maybe get my scores high enough so i can qualify for a prime card to pay for our wedding. I was told that i could be missing amywhere between 60-100 points! if you look at my scores you can tell i need them. Never knew how important utilization was.

Re: push statement

Anonymous — Fri, 07 Aug 2015 16:34:07 GMT

your scores don't show up on mobile. also, even if you report high this month you can report low next month and see a vast difference

Re: push statement

Anonymous — Fri, 07 Aug 2015 16:37:54 GMT

My scores are equifax-591 transunion-612 and 562 experien

Re: push statement

Anonymous — Fri, 07 Aug 2015 16:45:51 GMT

once you pay all that to 0 you'll see a vast difference. i had HEFTY utilization too in and in february i paid it all off and had scores hovering in the 560s-580s and now i have eq 660 ex 673 and tu 677

Re: push statement

Anonymous — Fri, 07 Aug 2015 16:54:14 GMT

Wow! Did you get those current scores after you drop your utilization significantly?Just tryimg to gauge how much of a point increase i could see.

Re: push statement

Anonymous — Fri, 07 Aug 2015 17:00:14 GMT

yeah so i only had a few cards then and i will show my usage

kay jewelers - $0/$3,400
ccu - $480/$500
nfcu - $960/$1,000
chase - $1,400/$1,500
wells fargo -$2,943/$3,000
cap1 - $300/$300

paid off in feb
march i got a significant score increase and got an amex ED for $2k
june i got barclay SM ($2,500) chase amazon ($500) and amazon store ($3,500)

Re: push statement

Anonymous — Fri, 07 Aug 2015 17:05:12 GMT

wow thats awesome!hopefully i end up in the mid 600 after i have all 0 except for one card.

My cards are as followed:

Citizens bank 474/500

Capital one- 247/750

Capital one Qs1- 990/1000

Also a cap one chargeoff which effects my uti-702

After i pay off all cards will have 0 balance except qs1 and chargeoff will be down to 602

Re: push statement

Anonymous — Fri, 07 Aug 2015 17:06:55 GMT

paying down will be a great first step. patience is key. you'll get there

Re: push statement

OmarGB9 — Fri, 07 Aug 2015 18:34:08 GMT

Just keep chipping away at those balances and enjoy watching your scores increase (I'm in the same boat).

Re: push statement

Anonymous — Fri, 07 Aug 2015 22:41:41 GMT

hanks alot guys paid off all my cards except for one down to 0.Cant wait to see what score bumps i get