US bank reporting by end of month regardless of statement closing date. Is this the norm for them?

[Superduper2014]

I noticed that US bank is reporting balances to credit bureaus by the end of the month despite the closing statement date. 

For example 2 of my US bank cards have closing statements that close in the middle of the month and they will wait until the end of the month to report both at the same time. 

Also, my gf opened a US bank card mid month and by the end of that month they reported the new account to the bureaus despite the fact that there was no balance or even a statement generated. So now that she has a small balance from a BT offer she took and the statement closed  on the 6th of August, but payment is due sept 3rd, I am guessing they will report this balance by the end of this month as well. 

This is interesting since this is the first time I notice this and wanted to corroborate this info with you guys. 

Does US bank report by the end of the month only? May be for convenience. NOt sure. 

[bourgogne]

normal

[Anonymous]

They always report what your balance is on the last business day of the month regardless of when your statement date is.  If you would like to micromanage account balances, it is easy to request a new due date.  I changed my due date to the 28th of the month so I won't have to make multiple payments if I need it to report a 0 balance.

[Remedios]

Been like that for at least a decade 

[JR_TX]

Yep both posters above are correct and that's been a common knowledge here.

But for all the new members and visitors.... USBank reports whatever the account balance is on the last business day of each month.

[Superduper2014]

Got it.. I'm the type that usually comes up with a great invention to then realize it already on the market LOL.... moving on. thanks

[Red1Blue]

I have 2 US Bank Cards and it is the same for me. I have been thinking about it. I am going to change my due date to 28th so I dont have to worry about keeping track of dates.

Update: I called US Bank and changed due date for both cards to 28th of the month. Makes my life easier.

[Remedios]

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@Superduper2014 wrote:

Got it.. I'm the type that usually comes up with a great invention to then realize it already on the market LOL.... moving on. thanks

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@Superduper2014  don't feel bad, I just found out last year hummus is not a goat cheese. 

I've missed out on yummies for a decade because I don't eat goat anything. 

Apparently, that's also public knowledge

[Anonymous]

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@Remedios wrote:

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@Superduper2014 wrote:

Got it.. I'm the type that usually comes up with a great invention to then realize it already on the market LOL.... moving on. thanks

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@Superduper2014  don't feel bad, I just found out last year hummus is not a goat cheese. 

I've missed out on yummies for a decade because I don't eat goat anything. 

Apparently, that's also public knowledge

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Or maybe you should both feel bad?

Anyway, now you know that https://recipecenter.martinsfoods.com/recipes/106628/hummus-and-goat-cheese-sandwich has at least two different main ingredients.

Is goat part of a larger class excluded foods (as it is with me as a vegan) or is there something special about avoiding goat products

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

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@Superduper2014 wrote:

Got it.. I'm the type that usually comes up with a great invention to then realize it already on the market LOL.... moving on. thanks

---

@Superduper2014  don't feel bad, I just found out last year hummus is not a goat cheese. 

I've missed out on yummies for a decade because I don't eat goat anything. 

Apparently, that's also public knowledge

---

Or maybe you should both feel bad?

Anyway, now you know that https://recipecenter.martinsfoods.com/recipes/106628/hummus-and-goat-cheese-sandwich has at least two different main ingredients.

Is goat part of a larger class excluded foods (as it is with me as a vegan) or is there something special about avoiding goat products

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My upbringing. My parents belonged to two different  ethnic groups, each one with its own restrictions, and as a child, I had a hard time keeping track of what was allowed and where. 

I got tired of it and decided to not even bother with most foods. 

Long version is pretty funny, but it includes one of the things we don't talk about, so this is the best I can do.