when does my CC report to CA??? can i have them notify me when they do?

[jwright343]

is it a safe assumption that most all CCs report the balance to the CAs at the end of the month?  is there a way to find out EXACTLY what date each individual card reports to the CAs?  I just pulled my 3 CRs and found that although it's 3/2/15, my Discover and Capone are still reporting my OLD balances.  all 3 cards have zero balances at this time.  I want my numbers to be moreless zero when i apply for 2 cards this week.  that is why i haven't used a CC in almost a week.  Is there a way to have the CCs alert me via text or mail that they've reported? 

[Creditaddict]

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@jwright343 wrote:

is it a safe assumption that most all CCs report the balance to the CAs at the end of the month?  is there a way to find out EXACTLY what date each individual card reports to the CAs?  I just pulled my 3 CRs and found that although it's 3/2/15, my Discover and Capone are still reporting my OLD balances.  all 3 cards have zero balances at this time.  I want my numbers to be moreless zero when i apply for 2 cards this week.  that is why i haven't used a CC in almost a week.  Is there a way to have the CCs alert me via text or mail that they've reported? 

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most report around your statement date.

you can pretty much be sure that if you receive a statement that says $0, that's already reflected to the credit reports too.

[Creditaddict]

sign up for credit monitoring through like creditkarma and creditsesame which are both free and it will show to a certain degree of accuracy when things update.

[kdong1996]

Most CCC report a few days after the statement cuts. US Bank reports at beginning of the month. You can ask Discover to report mid cycle too. 

[takeshi74]

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@jwright343 wrote:

is it a safe assumption that most all CCs report the balance to the CAs at the end of the month?

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I don't recommend assuming anything but most cards report on statement date.

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@jwright343 wrote:

is there a way to find out EXACTLY what date each individual card reports to the CAs?  I just pulled my 3 CRs 

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If you have your reports they should indicate last report date for each card.

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@jwright343 wrote:

Is there a way to have the CCs alert me via text or mail that they've reported? 

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You'd have to check with each of your creditors.  Creditors are not all identical and they vary in the alerts that they offer.