Cap One statement...

TRC_WA · ‎05-21-2014

If you PIF before the statement cuts is a statement generated for that month or do you not get one at all like GECRB?

I've had my CapOne cards for a year and have been allowing the statements to cut with small balances ($5 to $100) because of auto CLI's every 5-6 statements. I don't want to shoot myself in the foot and lose a statement so I'm asking...

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Skye12329 · ‎05-21-2014

I still receieve a statement when its $0. Did you sign up for paperless by accident? You can go online after 2 days or so and look for you statement online.

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)

TRC_WA · ‎05-21-2014

Nah I'm good with paperless... I just wanted to make sure that a statement (with a $0 balance) is generated if I PIF before the cut date... mainly because they said they will look at CLI's every 6 statements. If I PIF and they don't generate a statement, does that mean I lost a month?

I did that in February with GECRB... I PIF before the statement so now when I look at my online list of statements I see:

Nov

Dec

Jan

March

... because GECRB didn't generate a statement for February because I had a $0 balance. I was just asking if CapOne did the same thing.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Irisa · ‎05-21-2014

@TRC_WA wrote:
If you PIF before the statement cuts is a statement generated for that month or do you not get one at all like GECRB?

I've had my CapOne cards for a year and have been allowing the statements to cut with small balances ($5 to $100) because of auto CLI's every 5-6 statements. I don't want to shoot myself in the foot and lose a statement so I'm asking...

Capital one still generates a statement. I got mine yesterday and not only did I have a 0 balance, I had 0 transanctions for the month.

TRC_WA · ‎05-21-2014

Thanks to you both!

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

maiden_girl · ‎05-21-2014

Yes, Cap One still issues statements with 0 balance. I had a zero balance for over a year on my card and got a statement every month.

As of 2017, rebuilding...

bk510 · ‎05-21-2014

@TRC_WA wrote:
Nah I'm good with paperless... I just wanted to make sure that a statement (with a $0 balance) is generated if I PIF before the cut date... mainly because they said they will look at CLI's every 6 statements. If I PIF and they don't generate a statement, does that mean I lost a month?

I did that in February with GECRB... I PIF before the statement so now when I look at my online list of statements I see:

Nov
Dec
Jan
March

... because GECRB didn't generate a statement for February because I had a $0 balance. I was just asking if CapOne did the same thing.

U will always get a statement cut from Cap1(either way). Now with GE cards, I have amazon and wally card.

With Amazon, if u dont use the card in any given cycle, u will not get a statement cut. If u use it and pay b4 statement cuts, u will get a statement cut showing 0 balance.

With Wally, its interesting is that, if u use the card and pay it off b4 the statement cuts, u will not get a statement for that billing period(its weird).

So baically with wally, the only time where u would get a statement is when u have a reported balance.(this has been my xperience)

/

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RogerSmith95 · ‎05-21-2014

@bk510 wrote:
@TRC_WA wrote:
Nah I'm good with paperless... I just wanted to make sure that a statement (with a $0 balance) is generated if I PIF before the cut date... mainly because they said they will look at CLI's every 6 statements. If I PIF and they don't generate a statement, does that mean I lost a month?

I did that in February with GECRB... I PIF before the statement so now when I look at my online list of statements I see:

Nov
Dec
Jan
March

... because GECRB didn't generate a statement for February because I had a $0 balance. I was just asking if CapOne did the same thing.

U will always get a statement cut from Cap1(either way). Now with GE cards, I have amazon and wally card.
With Amazon, if u dont use the card in any given cycle, u will not get a statement cut. If u use it and pay b4 statement cuts, u will get a statement cut showing 0 balance.
With Wally, its interesting is that, if u use the card and pay it off b4 the statement cuts, u will not get a statement for that billing period(its weird).
So baically with wally, the only time where u would get a statement is when u have a reported balance.(this has been my xperience)

+1

i did receive a $0 balance statement on my Amazon card. Used it and pif before the statement cut.