topic Re: Did Chase Stop Mid-cycle Reporting? in Credit Cards

Did Chase Stop Mid-cycle Reporting?

j615 — Sat, 03 Oct 2015 01:33:01 GMT

I noticed on all 3 reports that within the last month Chase stopped reporting zero when I PIF mid billing cycle.

Is it just me?

Re: Did Chase Stop Mid-cycle Reporting?

NRB525 — Sat, 03 Oct 2015 02:02:13 GMT

I don't know.

In the interest of data points, I changed my Hyatt card payment to pay the $7.16 balance tomorrow instead of later in October.

I'll let you know if there's an update in a few days.

Re: Did Chase Stop Mid-cycle Reporting?

Anonymous — Sat, 03 Oct 2015 02:07:52 GMT

I also paid off the last $50 we had on the DW's Freedom card, I'll let you know if we get any mid-cycle reporting as well. The one time Chase did mid-cycle report it hurt my scores as that was the only card reporting with a balance lol. Thankfully UTIL doesn't have a memory...

Re: Did Chase Stop Mid-cycle Reporting?

gdale6 — Sat, 03 Oct 2015 02:29:04 GMT

They updated my balance to 0 when I paid off my AARP card mid cycle 4 days ago. Took a few days for it to show up.

Re: Did Chase Stop Mid-cycle Reporting?

j615 — Sat, 03 Oct 2015 02:43:16 GMT

It's been a few weeks since I paid my CSP off. It's almost time for the current statement to close and they haven't updated any reports to $0. I don't mind if they do or if they don't but I'd like them to be consistant on their approach.

Re: Did Chase Stop Mid-cycle Reporting?

ccb2115 — Sat, 03 Oct 2015 03:06:57 GMT

Paid down CSP to zero on Monday. Updated a couple of days ago.

Re: Did Chase Stop Mid-cycle Reporting?

Anonymous — Thu, 08 Oct 2015 00:45:52 GMT

I just got an update on Experian (through the Score Monitoring here) that Chase did a mid-cycle update to the DW's Freedom we paid off. It had a $50 balance and alerted today. It looks like it took a while since I just checked and I submitted the payment on Friday Oct 2nd...

OP, any movement on yours?

Re: Did Chase Stop Mid-cycle Reporting?

j615 — Thu, 08 Oct 2015 01:00:27 GMT

@Anonymous wrote:
I just got an update on Experian (through the Score Monitoring here) that Chase did a mid-cycle update to the DW's Freedom we paid off. It had a $50 balance and alerted today. It looks like it took a while since I just checked and I submitted the payment on Friday Oct 2nd...

OP, any movement on yours?

Oz

Thanks for the update. My last statement cut last night on 10/6 with a small balance of $74 and I just submitted payment today.

So far, last month's statement balance on 9/6 of $85 that was paid in full on 9/8 never reported mid-cycle to any reports. I'll try and post an update to see if October's will update to zero.

Re: Did Chase Stop Mid-cycle Reporting?

NRB525 — Thu, 08 Oct 2015 01:24:58 GMT

@NRB525 wrote:
I don't know.
In the interest of data points, I changed my Hyatt card payment to pay the $7.16 balance tomorrow instead of later in October.
I'll let you know if there's an update in a few days.

Paid on October 3, it reported on EQ as zero today, October 7, and the TU All Cards balance total includes the $7 change dated as of yesterday, October 6..

Re: Did Chase Stop Mid-cycle Reporting?

pipeguy — Thu, 08 Oct 2015 01:40:23 GMT

PIF Freedom last friday - about $1800 - they updated today my balance to $00 on equifax, nothing yet on the others and my statement doesn't cut until after the 18th due date. Funny thing is the card is back to to $796, which I'll pay by the 18th, but they still reported $00 mid-cycle.

Re: Did Chase Stop Mid-cycle Reporting?

Anonymous — Thu, 08 Oct 2015 02:04:13 GMT

I called Chase CS and they told me that they report every 60 days to the CRA. I just opened my CSP about 2 weeks ago and my first due payment is still on November 14th and my statement closes this Oct 17th. I was quite confused of what Chase told me. I just want to know when do they report to the CRA to make sure I carry less or zero balance on my account when they report it. But the CSR said every 60 days . I thought they always report after a few days when the billing statement closes . so mine will be around after Oct 17th when they report to the CRA .... confusing

Re: Did Chase Stop Mid-cycle Reporting?

NRB525 — Thu, 08 Oct 2015 02:28:28 GMT

@Anonymous wrote:
I called Chase CS and they told me that they report every 60 days to the CRA. I just opened my CSP about 2 weeks ago and my first due payment is still on November 14th and my statement closes this Oct 17th. I was quite confused of what Chase told me. I just want to know when do they report to the CRA to make sure I carry less or zero balance on my account when they report it. But the CSR said every 60 days . I thought they always report after a few days when the billing statement closes . so mine will be around after Oct 17th when they report to the CRA .... confusing

I really doubt this. I have 4 Chase cards now, and they report like clockwork every month. As noted, also when the balance goes to zero before the statement.

Re: Did Chase Stop Mid-cycle Reporting?

JLK93 — Thu, 08 Oct 2015 03:24:48 GMT

Mid cycle reporting, on my Chase cards, has been somewhat hit and miss this past month. Most of them have updated when PIF'd to zero. Only one did not report mid cycle. In the past, mid cycle reporting was like clockwork.