topic Re: Why did Cap1 off cycle report? in General Credit Topics

Why did Cap1 off cycle report?

GApeachy — Fri, 30 Aug 2019 18:12:48 GMT

Is it because a new card with a new number was issued on an existing acct.? Or are they just being mean?

Re: Why did Cap1 off cycle report?

FinStar — Fri, 30 Aug 2019 18:26:05 GMT

Typically if any backend changes occur on your account or if you perform any actions, such as a change of address, can trigger off cycle reporting.

Re: Why did Cap1 off cycle report?

GApeachy — Fri, 30 Aug 2019 18:30:04 GMT

Thanks, will they still report on the 6th, the normal report date? Due date is the 3rd.

Re: Why did Cap1 off cycle report?

FinStar — Fri, 30 Aug 2019 19:12:27 GMT

IME, when something similar occurred, it still reported during its expected statement cycle date. That said, sometimes some reporting anomalies may occur and worse case scenario it'll report with your next statement cycle.

Perhaps others can chime in with their experiences to provide some additional DPs.

I'll leave your thread here in the interim for additional exposure since reporting questions usually reside in the General Credit Topics subforum 😊

Re: Why did Cap1 off cycle report?

GApeachy — Fri, 30 Aug 2019 19:30:32 GMT

thank you

Re: Why did Cap1 off cycle report?

Trudy — Fri, 30 Aug 2019 22:38:18 GMT

Could this be the reason or at least part of the reason?

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-changed-Due-Dates-if-your-due-date-was-the-23rd-24th/td-p/5693427

Re: Why did Cap1 off cycle report?

GApeachy — Fri, 30 Aug 2019 22:43:06 GMT

@Trudy wrote:
Could this be the reason or at least part of the reason?

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-changed-Due-Dates-if-your-due-date-was-the-23rd-24th/td-p/5693427

Thanks Trudy, I thought about that this morning and checked the stmt. to make sure we weren't affected. Ours is still the 3rd, report 6th.

Re: Why did Cap1 off cycle report?

HeavenOhio — Mon, 02 Sep 2019 04:02:55 GMT

@GApeachy, I had three Capital One cards replaced due to fraud. I got new card numbers, but there was no mid-cycle report. I think this was back in 2017 or so.

About four month ago, I had a "lost" card replaced. That one reported mid-cycle.

Re: Why did Cap1 off cycle report?

GApeachy — Mon, 02 Sep 2019 11:39:45 GMT

@HeavenOhio

Thanks,
I'll learn not to have an emergency card re-issue during an off cycle time. That's a little "bleep"!