topic Re: Unify FCU card changed reporting date in General Credit Topics

Unify FCU card changed reporting date

SouthJamaica — Thu, 02 Dec 2021 15:06:12 GMT

I've had a credit card with Unify FCU for more than 3 years and it's always reported the end of month balance to the bureaus. I.e. normally it would have reported the balance as of the end of the day Nov. 30th.

This month it reported the balance at the close of the first day of the next month. I.e. the balance at the end of Dec. 1st.

Re: Unify FCU card changed reporting date

SoCalGardener — Thu, 02 Dec 2021 19:39:55 GMT

@SouthJamaica wrote:
I've had a credit card with Unify FCU for more than 3 years and it's always reported the end of month balance to the bureaus. I.e. normally it would have reported the balance as of the end of the day Nov. 30th.

This month it reported the balance at the close of the first day of the next month. I.e. the balance at the end of Dec. 1st.

I see variations like that with most of my cards, and really don't think anything of it. I figure it has to do with how much ACTUAL time has passed between reporting, so a day in either direction is no cause for alarm.

Re: Unify FCU card changed reporting date

FireMedic1 — Fri, 03 Dec 2021 09:20:55 GMT

Maybe because the months flip flop the rest of the year? 31st and 30th?Just throwing it out there.

Aug 31

Sep 30

Oct 31

November 30

December 31

Re: Unify FCU card changed reporting date

SouthJamaica — Fri, 03 Dec 2021 16:53:20 GMT

@FireMedic1 wrote:
Maybe because the months flip flop the rest of the year? 31st and 30th?Just throwing it out there.
Aug 31
Sep 30
Oct 31
November 30
December 31

No, for 3 1/2 years this lender reported the end of month balance.

Now they reported the balance as of the end of the first day of the following month.

Re: Unify FCU card changed reporting date

Anonymous — Sat, 12 Feb 2022 01:27:16 GMT

@SouthJamaica wrote:
I've had a credit card with Unify FCU for more than 3 years and it's always reported the end of month balance to the bureaus. I.e. normally it would have reported the balance as of the end of the day Nov. 30th.

This month it reported the balance at the close of the first day of the next month. I.e. the balance at the end of Dec. 1st.

Could you give me some thoughts on unify? I thought they only give 1 point per dollar? Yet I see a lot of members who have it?

Re: Unify FCU card changed reporting date

SouthJamaica — Sat, 12 Feb 2022 04:30:09 GMT

@Anonymous wrote:
@SouthJamaica wrote:
I've had a credit card with Unify FCU for more than 3 years and it's always reported the end of month balance to the bureaus. I.e. normally it would have reported the balance as of the end of the day Nov. 30th.

This month it reported the balance at the close of the first day of the next month. I.e. the balance at the end of Dec. 1st.

Could you give me some thoughts on unify? I thought they only give 1 point per dollar? Yet I see a lot of members who have it?

They're good. I have their no-balance-transfer-fee, no-cash-advance-fee, non-rewards, low interest platinum Visa card. You can give yourself instant cash advances by transferring from your credit card to checking. My interest rate is 8.49%, but they also have lower rates. Anyone can join.

Re: Unify FCU card changed reporting date

FinStar — Sun, 13 Feb 2022 03:42:48 GMT

Folks, let's keep the thread on topic -- Re: Unify FCU card changed reporting date. Thanks.