When do credit limit changes get reported?

[vanillabean]

The night after, next statement date, something third? I imagine credit card companies may not be uniform about it.

[PNW_Hunter]

I haven't tracked this specifically, but I imagine it is when they report your statement information. Some prolly will report mid statement, but most probably will report it with everything else

[Anonymous]

depends. synchrony is pretty fast (within a week or two) and others abut 30-45 days.

[iheartwings]

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@Anonymous-own-fico wrote:

The night after, next statement date, something third? I imagine credit card companies may not be uniform about it.

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Definitely not uniform. Discover took forever to update my CL, especially when I was able to get increases every 14-15 days. JCrew didn't update until I actually spent money on the card (and PIF) to generate a statement. I moved some of my CL from Freedom to my Marriott Rewards, and the CLD on the Freedom showed up before the CLI on the Marriott. I can't remember how long it took AmEx to report my CLI, but it wasn't fast either.

[Anonymous]

Amex takes forever anyway and store cards are different. you have to use them lol.

[iheartwings]

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@Anonymous wrote:
Amex takes forever anyway and store cards are different. you have to use them lol.

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Yup. I'm too lazy to actually go to the store, and I hate paying for shipping, so J. Crew doesn't actually get much in the way of use.

[Anonymous]

yeah most people love the approval of store cards until they realize they're inconvenient lol

[Anonymous]

I assume after a new statements generates. I don't generally keep track of it.