topic Re: Discover update before statement in Credit Cards

Discover update before statement

sassymomof2 — Sun, 11 May 2014 17:39:19 GMT

I made a large payment on my account and Discover updated my account balance on all three bureaus prior to the statement cut. Has anyone else had this happen? Ive never had this happen before. Is this normal?

Re: Discover update before statement

gdale6 — Sun, 11 May 2014 17:42:06 GMT

Large balance swings in either direction tend to trigger a reporting mid cycle with many banks, its not uncommon. The statement balance will still be reported when it cuts.

Re: Discover update before statement

sassymomof2 — Sun, 11 May 2014 17:48:04 GMT

Cool. I want to make sure it's at $0.

Re: Discover update before statement

Anonymous — Sun, 11 May 2014 18:50:18 GMT

Thanks for the info. Wondered about this.

Re: Discover update before statement

lg8302ch — Sun, 11 May 2014 22:00:30 GMT

Wonder what Discover is up to. Random reporting ??? Every 6 months when I get ready to app for a new card I try to PIF and report 0 balance on all but 1 account and Discover just blew it ... in the past when I paid before statement cut date and if statement is 0 balance the reporting is 0 balance too but this time the statement cut with 0 balance and Discover all the sudden reports 15$ ... wonder where they got this amount from? There is nothing like that anywhere near the statement cut date or after ??? Anybody has similar experiences with random reporting lately with Discover ?

Re: Discover update before statement

-Wade- — Sun, 11 May 2014 22:12:50 GMT

@sassymomof2 wrote:
I made a large payment on my account and Discover updated my account balance on all three bureaus prior to the statement cut. Has anyone else had this happen? Ive never had this happen before. Is this normal?

hummmm, I made a payment of $4500 before and i did not get a updated account bal. But also i made the payment a few days after it showed up on my online account. That may be the reason.

Re: Discover update before statement

pip3man — Sun, 11 May 2014 22:48:15 GMT

it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!

Re: Discover update before statement

TVP125 — Mon, 12 May 2014 00:10:48 GMT

@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!

My first statement cut last week and I have had my IT card for about a month and it still hasn't reported to my credit yet. I have read Discover is all over the place with reporting. some say it takes up to 3 statements and some like yourself it reports almost immediately

Re: Discover update before statement

dave024 — Mon, 12 May 2014 01:21:53 GMT

@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!

I would expect a new card to report quickly. My last new card, the Sportsman's Guide Visa, reported days after my approval. When I do multiple applications later this year I am planning on doing them all the same day.

Re: Discover update before statement

pip3man — Mon, 12 May 2014 03:08:59 GMT

@TVP125 wrote:
@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!
My first statement cut last week and I have had my IT card for about a month and it still hasn't reported to my credit yet. I have read Discover is all over the place with reporting. some say it takes up to 3 statements and some like yourself it reports almost immediately

yes I can attest to that fact that it reports almost immediately. I was approved for the card on 05/05/14 by 05/07 it was already on Experian and today it started reporting on Equifax... I havent received an alert yet for TU. And it's funny cos I haven't gotten the card yet and the ones that were approved way before the Discover hasnt showed up anywhere

Re: Discover update before statement

fargobzn — Mon, 12 May 2014 03:13:46 GMT

@dave024 wrote:
@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!
I would expect a new card to report quickly. My last new card, the Sportsman's Guide Visa, reported days after my approval. When I do multiple applications later this year I am planning on doing them all the same day.

It took a couple of months for my Discover card to report.

Re: Discover update before statement

pip3man — Mon, 12 May 2014 03:15:32 GMT

@dave024 wrote:
@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!
I would expect a new card to report quickly. My last new card, the Sportsman's Guide Visa, reported days after my approval. When I do multiple applications later this year I am planning on doing them all the same day.

the earliest it took a card I was approved for to report was a month and I think that was Bank Of America, the others were somewhere in the 2-3months timeframe. this gotta be the first time I seen such immediate reporting. And I strongly advise u to do all the application same day, if possible back to back. This is what I did

Re: Discover update before statement

pip3man — Mon, 12 May 2014 03:25:49 GMT

@fargobzn wrote:
@dave024 wrote:
@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!
I would expect a new card to report quickly. My last new card, the Sportsman's Guide Visa, reported days after my approval. When I do multiple applications later this year I am planning on doing them all the same day.

It took a couple of months for my Discover card to report.

hey quick question, what's the validity or expiration date for ya It card? Like how long is it issued for? Im trying to set up the online access and it requires the expiration date and im trying to see if I can figure mine out based on how long Discover cards are normally issued for. I never seen a Discover card before sounds crazy but very true lol

Re: Discover update before statement

fargobzn — Mon, 12 May 2014 03:30:51 GMT

@pip3man wrote:
@fargobzn wrote:
@dave024 wrote:
@pip3man wrote:
it seems Discover are good at f***ing things up. It hasn't even been up to a week I was approved for the It card, as a matter of fact I haven't even received the card yet and they already reported the new account to all 3 bureaus. Now im just confused as to what to do cos I was planning to apply to DCU/NASA before the new accounts I had acquired lately start showing up but Discover already made its way to my report. And im quite sure I might be declined on the grounds of new account smh... Thumbs down Discover!!!
I would expect a new card to report quickly. My last new card, the Sportsman's Guide Visa, reported days after my approval. When I do multiple applications later this year I am planning on doing them all the same day.

It took a couple of months for my Discover card to report.
hey quick question, what's the validity or expiration date for ya It card? Like how long is it issued for? Im trying to set up the online access and it requires the expiration date and im trying to see if I can figure mine out based on how long Discover cards are normally issued for. I never seen a Discover card before sounds crazy but very true lol

It is valid for five years from the month I was approved.

Re: Discover update before statement

pip3man — Mon, 12 May 2014 03:33:37 GMT

in that case my expiration may be 05/2019. Lemme see if it works... and one last question u got urs recently or a long time ago? thanks

Re: Discover update before statement

fargobzn — Mon, 12 May 2014 03:35:13 GMT

@pip3man wrote:
in that case my expiration may be 05/2019. Lemme see if it works... and one last question u got urs recently or a long time ago? thanks

I got my card last summer.

Re: Discover update before statement

pip3man — Mon, 12 May 2014 03:40:22 GMT

damnnn it worked for me, thanks... much appreciated!

Re: Discover update before statement

dave024 — Mon, 12 May 2014 12:33:31 GMT

fargobzn wrote
It took a couple of months for my Discover card to report.

It took a while for my Discover card to report as well. I don't remember exactly. What I was saying is that if I was expecting to do multiple applications I would do them as quickly together as possible. I would not wait two weeks after applying to do another one then get upset that a new account was already reporting.