topic Re: When does Capital One report? Share your experience! in Credit Cards

When does Capital One report? Share your experience!

Anonymous — Fri, 08 Oct 2010 22:44:22 GMT

I've had the Capital One No Hassle Rewards (the version for excellent credit with no annual fee and a $7500 limit) since early August 2010. My first statement came on Sept. 9. Now I'll receive my second statement probably tomorrow. I've checked my Equifax today, and it hasn't reported yet. I've read here that they report later. Does anyone know when they report a certain statement date/month? is there a lag between statement and reporting (that's what I figure reading up on other threads)? Or do they sometimes completely "forget" to report at all?

I want to check how it reports since it's one of those pesky Mastercard "World" cards.

Re: When does Capital One report? Share your experience!

MYBEST — Sat, 09 Oct 2010 01:00:17 GMT

Hi, My Capital One No Hassle Rewards card reports to all 3 credit bureaus every month at the end of the month, I know this because every time I check my credit reports around the 22-25th of the month it's always updated information form capital one and plus I called them and asked to make sure and they confirmed that they update info with the 3 credit bureaus for my account at the end of the month. (P.S) You should give them a call and ask... It couldn't hurt right? I Hope this helps a little.

Re: When does Capital One report? Share your experience!

mommyof4 — Sat, 09 Oct 2010 00:27:31 GMT

Based on my reports, I found that my payment is due by the 15th of every month and within five days after that my reports are reflecting the new balance ( minus transunion, they seem to always be a couple days behind). I hope this helps.

Re: When does Capital One report? Share your experience!

BrandonSS — Sat, 09 Oct 2010 01:40:26 GMT

I've had mine since September 1st, statement posted on the 21st, payment due Oct 16. Nothing has posted yet and I've been using it and paying it in full since i got it. I did let it post a 7% balance during the statement then paid it down to $0 soon after.

Hope it posts tp my reports soon!!!

Re: When does Capital One report? Share your experience!

laz98 — Sun, 10 Oct 2010 04:20:38 GMT

most of my cards report to EX about a day after the statement cuts, to EQ 3-4 days later, & to TU whenever TU feels like updating my reports

specifically, my capital one card reports around the 22nd of the month.

Re: When does Capital One report? Share your experience!

Anonymous — Sun, 10 Oct 2010 16:09:15 GMT

The day after closing without fail.

Re: When does Capital One report? Share your experience!

Anonymous — Sun, 10 Oct 2010 21:31:53 GMT

@Anonymous wrote:
The day after closing without fail.

I'll give it a couple of days and then I'll call them if I haven't seen anything. Annoying to say the least.

Re: When does Capital One report? Share your experience!

BrandonSS — Sun, 10 Oct 2010 22:59:04 GMT

@Anonymous wrote:
The day after closing without fail.

Can you clarify what you mean by this? I'm in the same boat as you can read above.

Re: When does Capital One report? Share your experience!

Anonymous — Mon, 11 Oct 2010 13:41:48 GMT

In other words, my closing date is the 10th of each month. They report my balance to the credit bureaus on the 11th of each month.

Since your account is new, it may take a month or two for reporting to the credit bureau.

Hope this is helpful.

Re: When does Capital One report? Share your experience!

Anonymous — Mon, 11 Oct 2010 17:01:43 GMT

For me, Crap one usually reports on the day my statement is cut, otherwise, on the next business day.

Re: When does Capital One report? Share your experience!

wlueckel — Mon, 11 Oct 2010 20:40:47 GMT

sorry..

Re: When does Capital One report? Share your experience!

Anonymous — Tue, 12 Oct 2010 06:29:22 GMT

It took 2 months for mine to start reporting, but when it does report it's reported with current payment history for those two months.

Re: When does Capital One report? Share your experience!

Pushto700 — Tue, 12 Oct 2010 21:23:42 GMT

@Anonymous wrote:
I've had the Capital One No Hassle Rewards (the version for excellent credit with no annual fee and a $7500 limit) since early August 2010. My first statement came on Sept. 9. Now I'll receive my second statement probably tomorrow. I've checked my Equifax today, and it hasn't reported yet. I've read here that they report later. Does anyone know when they report a certain statement date/month? is there a lag between statement and reporting (that's what I figure reading up on other threads)? Or do they sometimes completely "forget" to report at all?

I want to check how it reports since it's one of those pesky Mastercard "World" cards.

End of the month, but usually with previous statement balance in my experience. In contrast to Cap One, HSBC is similar in that they report the same way (end of the month), but your balance at the time is reported instead of most recent statement balance.

Re: When does Capital One report? Share your experience!

Anonymous — Wed, 13 Oct 2010 01:02:55 GMT

Yes, they just reported a day ago! It's finally on there. One day after the statement cuts with a one-month delay for new cardholders like me. Better late than never. Haha! It shows the opening date correctly as 08/2010, though. So, everything is alright for now, even though they didn't report the balance of my September statement but of my October statement. Oh, well...

Re: When does Capital One report? Share your experience!

BrandonSS — Wed, 13 Oct 2010 16:56:38 GMT

Well looks like I'll probably experience the same thing. Did they report 2 good months or just one? I guess it would make sense that only one month payment reported.

Re: When does Capital One report? Share your experience!

Anonymous — Wed, 13 Oct 2010 15:35:11 GMT

Yes, they only reported October's balance, not September's. Thus, they skipped a month.

Re: When does Capital One report? Share your experience!

Anonymous — Wed, 17 Nov 2010 23:00:06 GMT

Here's my history with Cap One unsecured Palatinum card.

I applied for my Cap 1 card on 10/16/10 was approved instantly.

Received it about a week later. Activated same day and made a charge the next day. It wouldn't let me pay online becuase there was no due date, so I called in and they accepted my payment over the phone. They also told me my statement date was the 14th of the month.

First statement was issued on 11/14 (this past Sunday). It actually showed up on Cap One website on Saturday night (11/13) as my "due date" but the actual statement didn't show up until Sunday morning (11/14). I have electronic billing only.

I PIF on Monday 11/15. I also had already paid several times and made sure to have a less than 10 percent balance which I paid off a few days before.

Today, 11/17 it showed up on at least my Experian and Equifax CR. I haven't checked TU yet.

Also, they are showing the account open as of "10/2010" so I guess I got a free 14 days of credit history there.

Good luck!

Re: When does Capital One report? Share your experience!

Anonymous — Thu, 18 Nov 2010 06:15:29 GMT

I have pretty much the same experience as you, i applied on 10/29 and was instantly approved, received my card a week later, and had to pay over the phone because it wouldnt let me do it online. my statement came out on the 16th, but it hasnt reported yet (the 17th). Now how exactly do statements work? I have an Orchard card and when i use it i literally go and pay my bill online 20 minutes after i make the charge, so i never wait at all. If i buy something do i wait for the statement to come out, and it will tell me when its due? Do you think me paying my charge over the phone (made the payment on the 9th) will effect them reporting since i didnt have a balance when the statement came out? Does it matter if you have a balance or no?

Re: When does Capital One report? Share your experience!

Anonymous — Thu, 18 Nov 2010 13:36:35 GMT

From what I've seen, if you buy something it will be deducted from your available credit right away. The next day it will show up in your transactions.

You can make a payment at any time and pay up to 110% of your balance (I believe). I usually pay a day or two later once it posts to transactions.

Anyway, I've only had the card for a month, so maybe there is a more sophisticated user that can give us both some advice.

Good luck!

Re: When does Capital One report? Share your experience!

Anonymous — Tue, 23 Nov 2010 04:33:11 GMT

bump