topic Re: Cap One reporting in Credit Cards

Cap One reporting

Cheryla18 — Fri, 03 Feb 2017 14:07:47 GMT

I was wondering if someone can tell me when Cap One reports to the CRB's? Is it at the end of every month? Is it mid month is it Willy Nilly?

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 14:23:45 GMT

They report after your statement cuts which is usually within a couple of days.

It takes them longer to report new accounts, usually 2-3 cycles. After that, it's every month.

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 14:42:53 GMT

New accounts have reported for me from 2 weeks after opening the account to 5 weeks. After that, statement will cut 3 days after my due date with report update to bureaus 2-3 days after statement date. Not really willy-nilly once it starts reporting

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 15:42:12 GMT

Also you can call and change your due date.

Example. Bill is due on the 24th they should report on the 27th. Give or take a couple of days due to holidays and weekends.

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 15:47:27 GMT

Cap1 is really consistent. I do like it that they wait extra days after the due date so you can sneak extra payments in before statement cuts. Most people do not care about this but if you like graphs and charts it's cool to Call up the statement dates and know where you can get an edge if needed.

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 16:41:06 GMT

Cap1 is really consistent. I do like it that they wait extra days after the due date so you can sneak extra payments in before statement cuts. Most people do not care about this but if you like graphs and charts it's cool to Call up the statement dates and know where you can get an edge if needed.

I've noticed the same with Chase and Amex; not sure how all others are. Chase reports for me like Cap1, three after the due date. Amex seems to be almost a week from due date to cut date which gives more time to PIF

Re: Cap One reporting

MrsCHX — Fri, 03 Feb 2017 17:01:43 GMT

Agree that Cap One is very consistent with reporting. New account may take a little bit (but not like an entire month or anything), but after that they report within days of the statement cutting. I wish everyone was so good about reporting.

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 17:02:36 GMT

Yup. If you want to compare companies, discover is the very next day with quickness. Synchrony and Comenity as well. They want to interest charge grab asap.

Re: Cap One reporting

Anonymous — Fri, 03 Feb 2017 22:16:48 GMT

Agreed. Capital One reports fairly consistant. I have had to issues.

Re: Cap One reporting

Cheryla18 — Fri, 03 Feb 2017 22:26:20 GMT

@MrsCHX wrote:
Agree that Cap One is very consistent with reporting. New account may take a little bit (but not like an entire month or anything), but after that they report within days of the statement cutting. I wish everyone was so good about reporting.

Yes i have a new acct with them since late last Dec...just wanting it to report.

Re: Cap One reporting

Anonymous — Sat, 04 Feb 2017 00:25:12 GMT

As stated above, it can take 2-3 cycles for new accounts.

If you opened in Dec, more than likely it will report this month, March at the latest.