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How long from approval to it hits the Credit Agencies?

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Anonymous
Not applicable

How long from approval to it hits the Credit Agencies?

In general by creditor does anyone know the policies or how long
an "appoved" card would take to report to the various CA's?

(or is there a thread like this?)

some matrix like :

AMEX - 2 days from x

Citi - next day from x 

BOA - approx 2 weeks after i did Y.

Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: How long from approval to it hits the Credit Agencies?

For most it's a statement or two before it hits. For Barclay's, it's a day or two.

Message 2 of 8
Anonymous
Not applicable

Re: How long from approval to it hits the Credit Agencies?

Can anyone reply for Pen Fed?

Message 3 of 8
AzaleaB
Established Contributor

Re: How long from approval to it hits the Credit Agencies?


@Anonymous wrote:

In general by creditor does anyone know the policies or how long
an "appoved" card would take to report to the various CA's?

(or is there a thread like this?)

some matrix like :

AMEX - 2 days from x

Citi - next day from x 

BOA - approx 2 weeks after i did Y.


Your Amex reported 2 days after approval? Mine takes close to 2 months!


Starting Score: EX:570, 8/2011
Current
Scores(8/30/18):
EX08:850; EQ08:850,
TU08:847
Inqs(12 mo): EX/0, EQ/0, TU/0
Goal Scores: 800+
My Cards: BoA Rewards: 30K, Discover IT: 50K, Arrival : 13.3K, CDP: 30.1K, Amex PRG, Amex ED: 22.5K, Amex BCP: 20K, FU: 21K, CSR: 35K, Amazon Store: 20K, Macys:10K, Diners Club:40K
Message 4 of 8
takeshi74
Senior Contributor

Re: How long from approval to it hits the Credit Agencies?


@Anonymous wrote:

In general by creditor does anyone know the policies or how long
an "appoved" card would take to report to the various CA's?

(or is there a thread like this?)

some matrix like :

AMEX - 2 days from x

Citi - next day from x 

BOA - approx 2 weeks after i did Y.


There's no set timeframe even with a given creditor for most creditors.  AmEx varies widely.  My Sallie Mae (Barclay) reported before I received it.

 

On top of that, the CRA's vary on how quickly they update (also a common discussion topic).

Message 5 of 8
EW800
Valued Contributor

Re: How long from approval to it hits the Credit Agencies?

My experience has been that the accoubt hits the reports when the first statement cuts, therefore up to a month. Barclay was my exception. They hit all three credit CRA's in about one or two days, well before I even had the card.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2026: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 827
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 6 of 8
Kirmie2010
Established Contributor

Re: How long from approval to it hits the Credit Agencies?

Theres no thread and its seldom the same enough to guess.

 

My Paypal card reported 2 days after approval.  Most major cards I have take atleast a week to a month to report.

 

Synchrony (for me) seems to update within 3 or 4 days.  

 

GECRB took about a week and a half.

 

Capital One took a month and a half.

 

Discover, chase and all of those I dont remember exact, about 2-3 weeks.

Message 7 of 8
Anonymous
Not applicable

Re: How long from approval to it hits the Credit Agencies?

TY All.

Any memories on PenFed?

 

I'm micro timing my Amex, SM, PendFed CC apps.

PenFed pulled my EQ a few weeks ago so I was getting itchy
to actually apply for the Rewards card and thought if they 3+ weeks
to report I could get the ball rolling and apply while
waiting for some updates/Score+ on my Amex/Exp and SM/TU.

Message 8 of 8
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