After your cc reports when to use?

[quarius]

When u pay off your cc and the new statement cuts on your account, like when the statement closes can i use my card then for the month or do i still need to wait until they update and it shows up on myfico? Im confused because it seems that i dont get an update on myfico for at least a few days after my statement changes. Say it closes on the 7th myfico wont show on some carde until the 11th.

[09Lexie]

MyFICO updates 7-10 days after your CR's are updated. If your question is regarding the 'float ' period; after your statement cuts.

[quarius]

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@09Lexie wrote:
MyFICO updates 7-10 days after your CR's are updated. If your question is regarding the 'float ' period; after your statement cuts.

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My question is say i pay in full i want my report to show zero on this card, when can i start to use this card so it stays zero. I'm confused because i can see when the next cycle starts on my account but i dont want to start using the cards to ealry. Can i start using the card the very next day when the new statement starts even if it doesn't catch up yet on Myfico?

[-Wade-]

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@quarius wrote:

When u pay off your cc and the new statement cuts on your account, like when the statement closes can i use my card then for the month or do i still need to wait until they update and it shows up on myfico? Im confused because it seems that i dont get an update on myfico for at least a few days after my statement changes. Say it closes on the 7th myfico wont show on some carde until the 11th.

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Yes you can use your card after the statement cuts ( for the coming month) and it will not show up on your report

[quarius]

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@Wade64 wrote:

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@quarius wrote:

When u pay off your cc and the new statement cuts on your account, like when the statement closes can i use my card then for the month or do i still need to wait until they update and it shows up on myfico? Im confused because it seems that i dont get an update on myfico for at least a few days after my statement changes. Say it closes on the 7th myfico wont show on some carde until the 11th.

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Yes you can use your card after the statement cuts ( for the coming month) and it will not show up on your report

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The next day or do i wait a few days? Can u read my last post.

[-Wade-]

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@quarius wrote:

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@Wade64 wrote:

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@quarius wrote:

When u pay off your cc and the new statement cuts on your account, like when the statement closes can i use my card then for the month or do i still need to wait until they update and it shows up on myfico? Im confused because it seems that i dont get an update on myfico for at least a few days after my statement changes. Say it closes on the 7th myfico wont show on some carde until the 11th.

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Yes you can use your card after the statement cuts ( for the coming month) and it will not show up on your report

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The next day or do i wait a few days? Can u read my last post.

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you can use it as soon as it updates on their website

[-Wade-]

My Penfed satement cut on the 6th of Nov. and i used it at 12 am  on the 7th

[09Lexie]

You can use your card AFTER your statement cuts. The alerts you get from myFICO will occur 7-10 days AFTER your CRs update and that's contingent upon the preferences you've selected ie bal alerts.

[quarius]

Great thanks everyone for clarifying this. I was waiting to long to start using my cards, about a week longer than i should have. 

[-Wade-]

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@quarius wrote:

Great thanks everyone for clarifying this. I was waiting to long to start using my cards, about a week longer than i should have. 

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yeah, you were waiting for no reason.........as soon as it cuts your good to go