How do I find out when my CC balances report?

[Anonymous]

I am paying off most of my CC debt in the next two months and there will be a small window where I will need to apply for CLIs and probably a NavCheck NFCU account, so I want my utilization to be as low as possible. For that to happen, I need to know when my CC report their balances so I can make sure everything gets paid at the right time. How can I figure out when that is?

[youngandcreditwrthy]

Most report a few days after the due date...

So when the statement cuts... A few days after that. Use Credit karma to see when exactly they report it. You can reload it every day!

[SnackTrader]

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@youngandcreditwrthy wrote:
Most report a few days after the due date...

So when the statement cuts... A few days after that. Use Credit karma to see when exactly they report it. You can reload it every day!

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Technically young is correct, but I think it answers the wrong question. 

Most lenders report the balance that you have on your card at the time your statement cuts. It will update on the bureau a few days after that date. 

You can always call Customer Service and see if they offer more specific timing or you can tell us which cards you need more info on. All 4 of my cards report the balance from the statement day but not all are that way. 

[Anonymous]

Will it show up the same day as the bank reports it? And where will it show? Under My Acounts?

[youngandcreditwrthy]

Just "update you score" I think, and it will notify you of balance changes.

Lol what you said is what I mean snacktrader!!
:-)

[SnackTrader]

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@youngandcreditwrthy wrote:
Just "update you score" I think, and it will notify you of balance changes.

Lol what you said is what I mean snacktrader!!
:-)

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I knew what you meant. But whether anybody else did is up to debate

[Anonymous]

I have three cards:

• Navy Federal Platinum Visa. Payment due on 03/02.
• Capital One Platinum MasterCard. Payment due on 02/22.
• Capital One CashRewards MasterCard. Payment due on 02/14.

[Walt_K]

TU is typically last to update.  Credit Karma pulls from TU, so if you are checking there, by the time you see that it has updated, it likely has already updated on the other two.

In my experience, EX is quickest, followed by EQ, and then TU. 

[BornSupercharged]

You could sign up with EIDT to pull daily all 3 reports + all 3 FAKO scores. I dont use it for the scores, just the reports. I have the Me + Spouse one, so I pay I think $18/mo to be able to do unlimited pulls for both of us Worth every penny to be able to monitor everything on a daily basis. 

[Anonymous]

What does EIDT stand for?