How often does Chase report to bureaus?

[drewricomakeubu]

I've been trying to AZEO but Chase has been reporting my CC I try to show a balance on multiple times. It just reported today and last month it reported almost halfway through the month and then it reported again on statement close date. Kinda hard to AZEO when it reports 15 times a month. 

[CH-7-Mission-Accomplished]

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@drewricomakeubu wrote:

I've been trying to AZEO but Chase has been reporting my CC I try to show a balance on multiple times. It just reported today and last month it reported almost halfway through the month and then it reported again on statement close date. Kinda hard to AZEO when it reports 15 times a month. 

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Chase updates every time you pay to zero.  To practice AZEO, you should use a different bankcard that only reports once a month (most of them).

[coldfusion]

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@CH-7-Mission-Accomplished wrote:

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@drewricomakeubu wrote:

I've been trying to AZEO but Chase has been reporting my CC I try to show a balance on multiple times. It just reported today and last month it reported almost halfway through the month and then it reported again on statement close date. Kinda hard to AZEO when it reports 15 times a month. 

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Chase updates every time you pay to zero.  To practice AZEO, you should use a different bankcard that only reports once a month (most of them).

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Correct!!!  Chase cards should never be used as Except One for AZEO purposes for this specific reason.

[drewricomakeubu]

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@coldfusion wrote:

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@CH-7-Mission-Accomplished wrote:

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@drewricomakeubu wrote:

I've been trying to AZEO but Chase has been reporting my CC I try to show a balance on multiple times. It just reported today and last month it reported almost halfway through the month and then it reported again on statement close date. Kinda hard to AZEO when it reports 15 times a month. 

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Chase updates every time you pay to zero.  To practice AZEO, you should use a different bankcard that only reports once a month (most of them).

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Correct!!!  Chase cards should never be used as Except One for AZEO purposes for this specific reason.

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Does Amex only report once a month? 

[CaptJOB]

Yeah AmEx will only report upon statement close. Use your BCP to AZEO and you'll be fine.

[drewricomakeubu]

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@CaptJOB wrote:

Yeah AmEx will only report upon statement close. Use your BCP to AZEO and you'll be fine.

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Right on! Thanks 

[PNWRambler]

Almost all cards will report once a month, the statement balance only.  Chase is the only one I know of that reports any time you drop to a 0% balance. 

[CH-7-Mission-Accomplished]

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@CaptJOB wrote:

Yeah AmEx will only report upon statement close. Use your BCP to AZEO and you'll be fine.

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I can't remember, does having an AMEX charge card report a small balance, as opposed to one of their revolvers, still work for AZEO or does FICO not factor in the charge card as satisfying the one-card minimum reported?

[coldfusion]

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@CH-7-Mission-Accomplished wrote:

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@CaptJOB wrote:

Yeah AmEx will only report upon statement close. Use your BCP to AZEO and you'll be fine.

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I can't remember, does having an AMEX charge card report a small balance, as opposed to one of their revolvers, still work for AZEO or does FICO not factor in the charge card as satisfying the one-card minimum reported?

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Don't use a charge card (or a store card) for AZEO.