topic Re: Cap One billing cycle ends on 22nd, when is it reported? in General Credit Topics

Cap One billing cycle ends on 22nd, when is it reported?

omgitsMatt — Tue, 22 Jan 2019 00:18:25 GMT

Hi guys, trying to pick and choose which card to make a big payment on atm, I could use some help

When can I expect to see the new utilization reflected on my credit if a billing cycle ends on the 22nd on Jan?

7 to 10 days after the billing cycle ended?

Re: Cap One billing cycle ends on 22nd, when is it reported?

Anonymous — Tue, 22 Jan 2019 00:49:29 GMT

Just took a look, and my Capital One Spark card statement was on January 13. My balance changes hit Experian and TransUnion on January 17 and Equifax on January 20. So in my case, this month it was 4-7 days. I would expect with Cap One that's going to be pretty consistent, give or take a couple of days.

Re: Cap One billing cycle ends on 22nd, when is it reported?

Anonymous — Tue, 22 Jan 2019 02:12:28 GMT

Agreed. My statement hits on the 17th and the new balance is reported 2-3 days later.

Re: Cap One billing cycle ends on 22nd, when is it reported?

Anonymous — Sat, 26 Jan 2019 05:50:23 GMT

Cap One is very great about their reporting. I unfortuantly do not like how they do business but they are great about being 100% transparent on how they report.