Have a Chase PIF, zero balance reporting question

Anonymous · ‎10-23-2019

Hey all. So I'm fairly new to this and wanted to take advantage of the Chase's mid cycle reporting of $0 balances but fear I messed it up. I've got a large purchase that I want to make sure I get points for that needs to be made tomorrow so if there is a way to fix it, it needs to be done today.

So I've got payments processing on the card to PIF, but I just got hit with an automatic $20 tollway charge that shows pending as well. If I do nothing will Chase report me as zero balance? I wanted to edit my payment but Chase won't let me and the app limits me to one payment per day.

Perhaps if I used reward points to cover the $20 tonight, maybe that would work. Any insight is greatly appreciated.

Remedios · ‎10-23-2019

They reported $0.00 balances for me every time while other charges were in pending status

Anonymous · ‎10-23-2019

How long would you suggest I wait after today to request a CLI on my Lowe's card. Hoping the expected score bump from the Chase card at zero will help me get a bigger increase.

Remedios · ‎10-23-2019

Not sure because I dont know if Synch goes by existing SP, uses a fresh one or combo of both

Maybe wait till your new score is reflected in your account

Anonymous · ‎10-27-2019

Just to update this thread in case anyone finds it searching for similar info....

Oct 22 my statement dropped with a balance on it.
Oct 23 I PIF (paid the statement balance in full, without adding extra for the pending $20 charge)
Oct 26 Credit Report reflected the 10/22 statement amount
Oct 27 Credit report reflected the PIF balance