Discover Reporting

[CS11]

Don't know if this is common knowdlege but I asked asked them about reporting times and this is what they responded.

Good morning,

Thank you for your recent message regarding your Discover account. I am happy to assist you today.

Your account cycle date (also called the statement closing date) is the 24th of every month. Any purchases that post between 19th and 24th will appear on your January statement, and your payment will be due the following month on 19th

I understand how important it is to know this information and I am happy to assist you today!

We attempt to pull a new FICO® Credit Score every month when your account cycles. If we're unable to, we will display the old score if available for up to 89 days. If you’d like to see your full credit history, you can get your credit report from the three major credit bureaus for free once every 12 months from www.AnnualCreditReport.com.

I appreciate your business and the opportunity to be of service. Thank you for choosing Discover.  

Sincerely,

*FICO® Credit Score Terms:
Your FICO® Credit Score, key factors and other information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customer will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

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I appreciate your business and the opportunity to be of service. Thank you for choosing to use Discover.

[Anonymous]

Without knowing what your real question is, the CSR is vague (and could be wrong) on the timing depending on what they meant by "January Statement", if it means statement on 12/24 then he/she is correct, if it means 1/24 statement then it's wrong.

Basically any charges posted between 11/24/18 to 12/24/18 will make the 11/24/18 statement and is due on 1/19/19, charges between 12/24-1/24 will be due on 2/19...so on and so forth. Grace period is generally 20-25 days after statement date depending on the lender, in this case it's 25/26 days depending on days in that month.

Edit : This is assuming you are not or have not been carrying a balance therefore grace period is in place.