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Citi Strata Elite reported nearly immediately

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MJ-san
Frequent Contributor

Citi Strata Elite reported nearly immediately

Was approved Monday 8/4, card sent Tuesday 8/5 and arrived Thursday 8/7.

 

Trade line showed up on EQ and EX today 8/7 before I even activated it!

Message 1 of 13
12 REPLIES 12
Soundersfan1
Regular Contributor

Re: Citi Strata Elite reported nearly immediately

That was quick! I recently got approved for the Citi Costco Anywhere Visa and it showed up on Exp, TU, and EQ faily quickly like within a few days as well. Chase and Amex for me personally all waited at least 1 billing statement and for Amex it took like 2.

Message 2 of 13
Copenix
Frequent Contributor

Re: Citi Strata Elite reported nearly immediately

Wow that sure was fast.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $117.8K | Utilization 0.9%

FICO 8s February 2026


Message 3 of 13
Yasselife
Valued Contributor

Re: Citi Strata Elite reported nearly immediately

Congrats! That’s awesome news; getting approved and having it report to EQ and EX the same day you received it is impressive.


Message 4 of 13
pauldc73
Contributor

Re: Citi Strata Elite reported nearly immediately

Hopefully it did not affect your scores too much!

Credit cards -
Debit cards -
Message 5 of 13
MJ-san
Frequent Contributor

Re: Citi Strata Elite reported nearly immediately


@pauldc73 wrote:

Hopefully it did not affect your scores too much!


Only 1 point - however **bleep** USB reported Smartly Visa >50% utilization the day before which tanked me 17 points.  I had it at 40% on the day the statement cut but they reported 4 days later at a higher balance Smiley Sad I'm still in my 0% through November so it's a temporary thing until I pay it off. 

Message 6 of 13
911gt34life
Established Contributor

Re: Citi Strata Elite reported nearly immediately

Thanks for sharing ...



I guess I won't be waiting 

>
Message 7 of 13
IsFiveCardsEnough
Contributor

Re: Citi Strata Elite reported nearly immediately


@MJ-san wrote:

@pauldc73 wrote:

Hopefully it did not affect your scores too much!


Only 1 point - however **bleep** USB reported Smartly Visa >50% utilization the day before which tanked me 17 points.  I had it at 40% on the day the statement cut but they reported 4 days later at a higher balance Smiley Sad I'm still in my 0% through November so it's a temporary thing until I pay it off. 


USB and Elan like to report at the end of the calendar month instead of at statement cut.  Something to consider when managing reported balances.

 

Formerly CreditMarathoner. Cards: BoA CCR MC $8,000 / Chase Amazon Prime VS $3,000 / Chase Freedom Unlimited VS $5,000 / Chase Sapphire Preferred VS $12,000 / Elan Sharonview FCU Max Cash Preferred VS $23,500 / TCL $51,500

Look Ma, no Inquiries!!
Message 8 of 13
FicoMike0
Senior Contributor

Re: Citi Strata Elite reported nearly immediately

I recently opened the aven visa. It reported the day after approval.

 

Message 9 of 13
NoHardLimits
Valued Contributor

Re: Citi Strata Elite reported nearly immediately

I opened a BofA Customized Cash Rewards last month.  It reported 4 days after approval.  I hadn't even received the card in the mail yet.

February 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 3/24 | Util: 1% | DTI: 1%
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