topic Re: Affinity FCU reporting question in Credit Cards

Affinity FCU reporting question

crrredit — Wed, 05 Apr 2023 00:31:22 GMT

Does anyone know how/when Affinity FCU reports to the bureaus. I know they don't report when statements cut like most cards. I thought I had it figured out – that they reported at the end of the month like US Bank. But this month I paid my balance down to $0 on 3/27. But on 4/1 they reported my $24 balance to the bureaus.

The only thing I can guess is that the payment hand not fully settled by the 1st, even though Affinity has the payment date as 3/27 and my credit union shows funds leaving on 3/28. Or they report the balance from an earlier date than the 27th and it takes until the 1st to report to the bureaus.

Re: Affinity FCU reporting question

M_Smart007 — Wed, 05 Apr 2023 01:58:50 GMT

@crrredit,

Affinity FCU has always reported pretty normal for the Cash Rewards Visa. (Due on the 26th of the month)

But I thought this month's reporting was a little odd,

as the [Pure Rewards account that was Approved on March 31st],

Reported on April 1st, as opened on March 29th, the day I had applied?

(Click image to enlarge)

Maybe a funny April fools joke played on us?

Re: Affinity FCU reporting question

crrredit — Wed, 05 Apr 2023 02:29:29 GMT

@M_Smart007 wrote:
@crrredit,
Affinity FCU has always reported pretty normal for the Cash Rewards Visa. (Due on the 26th of the month)
But I thought this month's reporting was a little odd,
as the [Pure Rewards account that was Approved on March 31st],
Reported on April 1st, as opened on March 29th, the day I had applied?
(Click image to enlarge)

Maybe a funny April fools joke played on us?

Interesting. My reporting is toward the end of the month, but my payment date is the 5th and the statement date is the 10th, so reporting and the dates for my card don't match up.

Re: Affinity FCU reporting question

ocheosa — Thu, 06 Apr 2023 17:49:05 GMT

@crrredit wrote:
Does anyone know how/when Affinity FCU reports to the bureaus. I know they don't report when statements cut like most cards. I thought I had it figured out – that they reported at the end of the month like US Bank. But this month I paid my balance down to $0 on 3/27. But on 4/1 they reported my $24 balance to the bureaus.

The only thing I can guess is that the payment hand not fully settled by the 1st, even though Affinity has the payment date as 3/27 and my credit union shows funds leaving on 3/28. Or they report the balance from an earlier date than the 27th and it takes until the 1st to report to the bureaus.

In my experience,

credit card on the 1st

ploc on the last day of month