topic Re: Discover reported without statement? in Credit Cards

Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 16:57:36 GMT

I just received an alert on myfico that my new discover it card has posted a balance to the bureaus. I'm really mad as it posted 1800/4000, but never closed the statement or sent anything. Discover says my first statement closing will be Dec 24th, What gives? Do they usually do this? I know utilization doesn't have memory, and I don't plan to app for anything in the near future, but I should be getting a credit increase in Dec from another company, and now my utilization will look much higher than I was planning when the other company does a check before their cli. Now I'm worried I'll get less of an increase while showing more debt then planned.

Is this normal for them to post without a statement closing?

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 17:05:14 GMT

Is this a new card? Did you use it immediately after activating it? If the answer is yes, then Discover can report a new account to your report at anytime.

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 17:10:05 GMT

It just seemed odd. Of every credit card, loan, anything I've ever had over 15 years, I've never had a company post without getting a statement first, the statement period closing, or some kind of notice to pay, mainly because it was a new account, they state online it won't close the period until end of Dec. Just makes me mad knowing I'm going to make a large payment next week and they posted to the bureaus now.

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 17:24:11 GMT

Discover did it for me, and my new Amazon card did it 2 days after opening. Discover reported with a balance, Amazon didn't. It's not a rare thing.

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 17:25:23 GMT

DH's new Discover posted to his CRs a few days after it was activated with a balance, too.

Re: Discover reported without statement?

tntexans72 — Fri, 27 Nov 2015 17:28:45 GMT

Sorry to hear, Barclaycard also have a history of doing this. My Hawaiian Airlines card was reported about 1 week after I received the card. I had a $15 charged for overnight delivery of the card that was reported. That's the quickest I've seen, while Amex, Chase, Cap1 takes 1-2 months to report.

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 20:18:52 GMT

It's only the first time. All the other ones will be reports after the statement.

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 20:33:26 GMT

My dad's new discover card I'm an au on did that, too. Reported 2 days before the first statement then when the statement posted, they reported again.

Re: Discover reported without statement?

Anonymous — Fri, 27 Nov 2015 22:16:24 GMT

Same thing happened to me, good that it was only around $60 balance at that time, i called then right away and all they did was apologized to me