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AmEx not updating to CRAs

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FalconSteve
Valued Contributor

AmEx not updating to CRAs

I paid off my wife's Wells Fargo Propel AmEx and AmEx Cash Magnet just after a statement posted (I know, stupid). Netiher would do a mid cycle update, so I waited for the statement dates. Wells Fargo updated our credit reports not long after the statement posted. American Express, however has not updated it despite the statement closing over a week ago (AmEx reports normally update on the 26th).

 

We really want to apply for a new card in time to use it for a big purchase before the end of the month (that's when the categories change), but I want to improve the odds with this balance no longer reporting.

 

I asked AmEx about it

1) First Rep said wait 30 days, I pretended they knew what they were talking about and decided to contact them again.

2) Second rep said 2-3 days after statement, gave me contact info for credit dept

3) Credit dept said "wait 2-3 days" and call back before they'd consider pushing an update

 

Is anyone else experiencing delays in AmEx reporting?

 

How sensitive is Chase to balances reporting (2% overall utiliation, 16% on this card- $500/3100)

We're at 4/24 and 4/12, so we really want this to be our next card (plus, Chase has a nice sign up/spend bonus right now)

My wife has recently opened Chase checking & savings with a decent balance

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 1 of 8
7 REPLIES 7
dragontears
Senior Contributor
Anonymous
Not applicable

Re: AmEx not updating to CRAs

My Delta Gold and Hilton Honors cards typically report on the 30th, and my BCP would normally report today. As yet, none have reported.

Message 3 of 8
Tonya-E
Established Contributor

Re: AmEx not updating to CRAs

My BCP usually updates on the 26th. It just updated today. I think they are behind or having a lag for some reason. 

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


Take the myFICO Fitness Challenge
Message 4 of 8
FalconSteve
Valued Contributor

Re: AmEx not updating to CRAs

Ours still hasn't updated, so we requested a manual update again. They seemed a little unsure, but we're pretty sure they requested a manual update

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 5 of 8
Apocatastasis
New Member

Re: AmEx not updating to CRAs

I'm having same issue


@FalconSteve wrote:

I paid off my wife's Wells Fargo Propel AmEx and AmEx Cash Magnet just after a statement posted (I know, stupid). Netiher would do a mid cycle update, so I waited for the statement dates. Wells Fargo updated our credit reports not long after the statement posted. American Express, however has not updated it despite the statement closing over a week ago (AmEx reports normally update on the 26th).

 


 

Message 6 of 8
ccquest
Established Contributor

Re: AmEx not updating to CRAs

My new BCE just showed up on EX today for me, second statement was on 9/2. Maybe they just had some delays, possibly related to the holiday?
as of 1/1/23
Current Cards:
Message 7 of 8
FalconSteve
Valued Contributor

Re: AmEx not updating to CRAs

This has been happening to existing cards. New cards rarely show up right away.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 8 of 8
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