topic Re: Cards That Report After Paying In Full in Credit Cards

Cards That Report After Paying In Full

Thor69 — Sun, 15 May 2022 19:07:42 GMT

I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.

Re: Cards That Report After Paying In Full

trvlscmmr — Sun, 15 May 2022 19:32:57 GMT

@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.

All I can confirm is that Amex does NOT report earlier if you pay balance down to zero. At least never been the case for me or player 2

Re: Cards That Report After Paying In Full

Yasselife — Sun, 15 May 2022 19:35:54 GMT

@Thor69 From my signature only Chase Bank does that.

Re: Cards That Report After Paying In Full

MySunrise271 — Sun, 15 May 2022 19:36:33 GMT

You can request a mid cycle update from Discover🙂 Chase and Discover are the only two lenders I've known to report once the balance is zero.

Re: Cards That Report After Paying In Full

OmarGB9 — Sun, 15 May 2022 22:49:52 GMT

@MySunrise271 wrote:
You can request a mid cycle update from Discover🙂 Chase and Discover are the only two lenders I've known to report once the balance is zero.

Thus. Amex is not one of them.

Re: Cards That Report After Paying In Full

Danmae777 — Sun, 15 May 2022 22:51:39 GMT

My experience is Chase reports mid cycle after paying balance to zero.

Re: Cards That Report After Paying In Full

increasingmyfico — Mon, 16 May 2022 02:28:24 GMT

@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.

Elan does

Re: Cards That Report After Paying In Full

FinStar — Mon, 16 May 2022 02:41:59 GMT

@increasingmyfico wrote:
@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.
Elan does

Not in my experience. Does your ELAN card report mid-cycle @increasingmyfico?

ELAN and US Bank cards typically report after the close of each month. Any of my ELAN cards do not report mid-cycle (like Chase does) when a balance reaches or resets to $0

Re: Cards That Report After Paying In Full

increasingmyfico — Mon, 16 May 2022 03:12:47 GMT

@FinStar wrote:
@increasingmyfico wrote:
@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.
Elan does
Not in my experience. Does your ELAN card report mid-cycle @increasingmyfico?

ELAN and US Bank cards typically report after the close of each month. Any of my ELAN cards do not report mid-cycle (like Chase does) when a balance reaches or resets to $0

Yes I paid off a few months ago and it refreshed mid cycle.

Re: Cards That Report After Paying In Full

SouthJamaica — Mon, 16 May 2022 03:36:06 GMT

@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.

I have never heard of any lender other than Chase that does that.

Re: Cards That Report After Paying In Full

ChargedUp — Mon, 16 May 2022 03:41:58 GMT

@increasingmyfico wrote:
@FinStar wrote:
@increasingmyfico wrote:
@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.
Elan does
Not in my experience. Does your ELAN card report mid-cycle @increasingmyfico?

ELAN and US Bank cards typically report after the close of each month. Any of my ELAN cards do not report mid-cycle (like Chase does) when a balance reaches or resets to $0
Yes I paid off a few months ago and it refreshed mid cycle.

Both my Elan backed cards report whatever balance I happen to have at the very end of the month (which is utterly annoying as my EDR+ Visa's statement cuts just a week later.) I've never had a mid point $0 balance report otherwise over the years.

Even with Chase, the $0 reporting seems to be hit and miss. Sometimes they'll do an update, sometimes they don't.

Re: Cards That Report After Paying In Full

7774x — Mon, 16 May 2022 16:32:26 GMT

@trvlscmmr wrote:
@Thor69 wrote:
I know that Chase cards will automatically report to the credit bureaus after paying in full (in the middle of a statement cycle,) but are there any others that do that? I feel like I remember hearing Amex does this, but I can't remember for sure.
All I can confirm is that Amex does NOT report earlier if you pay balance down to zero. At least never been the case for me or player 2

Chase pay for less than full settlement..12 days report ...after settlement