How does Chase report?

[UncleB]

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@Anonymous wrote:

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@HeavenOhio wrote:

I've seen Chase report zero at least three times in a month, even when my reported balance was already zero to begin with.

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I wonder why chase is so eager to report 0 balances. Does anyone know?

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LOL... good question, but I'm not one to look a gift horse in the mouth! 

[Anonymous]

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@Anonymous wrote:

Yeah, make Chase non-AZEO. I've been using Discover as AZEO, since "they prefer you carry a balance." "Amex & Chase prefer not carrying a balance."  I'm too new to it all to be sure, but I got an autoCLI from Chase at 3.5mo,  possibly by paying to zero before statement cut date. Also 2 3xCLIs from Amex. The myFICO wisdom is working for me.

edit... When you make Amex or CapOne AZEO, they report to CBs, your score will/should gain back points lost to Chase reporting zero.

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@Anonymous wrote:
It’s been a while but I remember someone stating I shouldn’t have any issue with AZEO with my chase, maybe I was given the wrong info. Wish I knew this sooner, so either AMEX or Cap1 should be the card that should be reporting a balance.

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Glad I found this early... I was going to make chase the one on AZEO... I feel like this post was directly tailored for me as I have amex, chase and discover! 

Discover it is for now.

[Anonymous]

THIS!!!!

...because I am SO glad they do 

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@UncleB wrote:

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@Anonymous wrote:

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@HeavenOhio wrote:

I've seen Chase report zero at least three times in a month, even when my reported balance was already zero to begin with.

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I wonder why chase is so eager to report 0 balances. Does anyone know?

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LOL... good question, but I'm not one to look a gift horse in the mouth! 

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[Anonymous]

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@Anonymous wrote:

THIS!!!!

...because I am SO glad they do 

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X2.  Use it to your advantage, by making your Chase card(s) the ones that report as zero.  Use something else as your non-zero reporting card.

That said, you don't need to AZEO every month... it's just a tactic to maximize your score when you need it such as when you're applying for something and want to be approved or get the best rate (i.e. mortgage, car loan, a new card or CLI, etc).