@StartingOver10 wrote:
Same thing happened to me for the Jan 2015 statement. I paid off the Dec 2014 statement and it did not generate a Jan statement (my statement date is the 2nd of the month). I called Walmart cc (Sycronony Bank) about a week later to see what had happened and the CSR confirmed that no statement is generated when you have a zero balance.
They also didn't report my new updated zero balance to the CRAs which was a problem for me. The CSR said they skipped this reporting for Jan 2015 because there was no balance. He said I could dispute it and it would report. So I did and about a 10 days after the normal reporting time, Walmart reported a zero balance due to the dispute.
Thanks for tip, guys. I did the same thing, in anticipation of mortgage refi and/or car loan I PIF'd Walmart and a couple other cards. Other cards reported $0 balance, but not good old Synchrony/Walmart, Dec. statement balance is what shows up. I've read many times here on MyFico forum that when there is activity the have to report a $0 balance statement. I paid off Dec. statement balance + a couple current charges, but no statement.
What did you dispute, StartingOver10? I tried "Dispute" from the menu while logged into the account, all I got was a PDF form to dispute a specific charge and mail the stupid thing to them. I don't want to dispute a charge I already paid.
So if I keep the account at $0 balance for the next 6 months, either not charging on it or pay before statement they'll still be reporting my Dec. 2014 balance? That's crazy.
As for the cash advance thing, I usually take $20 or $40 cash back when I charge at Walmart, no fees or interest if I PIF by due date. I checked last year's statments - Jan. 2010 CL was $1200 with $200 cash limit. Dec. 2014 CL was $2400 with cash limit $200. Two auto CLIs during the year, I've never requested a CLI. When I recently loggged in they asked me up verify/update income & contact info, maybe another auto CLI is on the way.
