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I was wondering if there are any data points on how long it takes Amex to report a new card to the bureaus?
I just opened an Amex gold card on Monday 4/11, it is my third card with them.
I have been wanting to add another Chase card to my wallet for a while, but was always well over the 5/24 rule. I am pre-qualified for the Chase Amazon visa, and have seen a bunch of people bypass the 5/24 with that pre-qual so I was ready to pull the trigger. However, I noticed 2 accounts that I opened on 4/17/2020 that will be falling off of the 5/24 in 2 days, and this will put me at 4/24. I know a lot of people suggest waiting until the start of the next month to ensure the 5/24 is cleared. However, If this Amex posts before that It will put me back at 5/24.
If It comes to it, I am happy to take a shot at the Amazon Visa, but I would much rather a core Chase card (Business Ink). Do I wait for the first of the month and app with Chase and risk the account posting? And if the account does post, I don't want/know if the new account/inq to mess up the Amazon Visa approval chances.
Guide me mighty fico forum masterminds
Edit: at the risk of answering my own question, it looks like my original card reported a little over a month later, and the second card was 2 weeks. Any additional DP's would be great.
Amex cards typically report to the credit bureaus at the time of the 2nd statement closing.
I would also say that in a variety of cases, they can also report sooner than 2 statements, so be prepared for that as well. Similar DPs have been mentioned about earlier reporting. The past 4 personal cards (since mid-2020) have reported within the first statement cycle.
@SDMarik wrote:I was wondering if there are any data points on how long it takes Amex to report a new card to the bureaus?
I just opened an Amex gold card on Monday 4/11, it is my third card with them.
I have been wanting to add another Chase card to my wallet for a while, but was always well over the 5/24 rule. I am pre-qualified for the Chase Amazon visa, and have seen a bunch of people bypass the 5/24 with that pre-qual so I was ready to pull the trigger. However, I noticed 2 accounts that I opened on 4/17/2020 that will be falling off of the 5/24 in 2 days, and this will put me at 4/24. I know a lot of people suggest waiting until the start of the next month to ensure the 5/24 is cleared. However, If this Amex posts before that It will put me back at 5/24.
If It comes to it, I am happy to take a shot at the Amazon Visa, but I would much rather a core Chase card (Business Ink). Do I wait for the first of the month and app with Chase and risk the account posting? And if the account does post, I don't want/know if the new account/inq to mess up the Amazon Visa approval chances.
Guide me mighty fico forum masterminds
Edit: at the risk of answering my own question, it looks like my original card reported a little over a month later, and the second card was 2 weeks. Any additional DP's would be great.
Remember what was discussed about timing and patience. You can either plan your strategy well or shoot yourself in the foot.
@FinStar wrote:
@SDMarik wrote:I was wondering if there are any data points on how long it takes Amex to report a new card to the bureaus?
I just opened an Amex gold card on Monday 4/11, it is my third card with them.
I have been wanting to add another Chase card to my wallet for a while, but was always well over the 5/24 rule. I am pre-qualified for the Chase Amazon visa, and have seen a bunch of people bypass the 5/24 with that pre-qual so I was ready to pull the trigger. However, I noticed 2 accounts that I opened on 4/17/2020 that will be falling off of the 5/24 in 2 days, and this will put me at 4/24. I know a lot of people suggest waiting until the start of the next month to ensure the 5/24 is cleared. However, If this Amex posts before that It will put me back at 5/24.
If It comes to it, I am happy to take a shot at the Amazon Visa, but I would much rather a core Chase card (Business Ink). Do I wait for the first of the month and app with Chase and risk the account posting? And if the account does post, I don't want/know if the new account/inq to mess up the Amazon Visa approval chances.
Guide me mighty fico forum masterminds
Edit: at the risk of answering my own question, it looks like my original card reported a little over a month later, and the second card was 2 weeks. Any additional DP's would be great.
Remember what was discussed about timing and patience. You can either plan your strategy well or shoot yourself in the foot.
A well planned strategy means nothing without the will power to execute it 🤪
But I get what your saying, I think the move is to wait until the first of June and go for the core chase card. If Amex reports, so be it, I'll try my pre-qual for the Amazon Visa. I'll actually be 5/24 instead of the 6/24 I am now, so im hoping the pre-qual will still work.
@SDMarik wrote:I was wondering if there are any data points on how long it takes Amex to report a new card to the bureaus?
I just opened an Amex gold card on Monday 4/11, it is my third card with them.
I have been wanting to add another Chase card to my wallet for a while, but was always well over the 5/24 rule. I am pre-qualified for the Chase Amazon visa, and have seen a bunch of people bypass the 5/24 with that pre-qual so I was ready to pull the trigger. However, I noticed 2 accounts that I opened on 4/17/2020 that will be falling off of the 5/24 in 2 days, and this will put me at 4/24. I know a lot of people suggest waiting until the start of the next month to ensure the 5/24 is cleared. However, If this Amex posts before that It will put me back at 5/24.
If It comes to it, I am happy to take a shot at the Amazon Visa, but I would much rather a core Chase card (Business Ink). Do I wait for the first of the month and app with Chase and risk the account posting? And if the account does post, I don't want/know if the new account/inq to mess up the Amazon Visa approval chances.
Guide me mighty fico forum masterminds
Edit: at the risk of answering my own question, it looks like my original card reported a little over a month later, and the second card was 2 weeks. Any additional DP's would be great.
IMHO if you want a core Chase card, you should go for it.
@SDMarik wrote:
@FinStar wrote:
@SDMarik wrote:I was wondering if there are any data points on how long it takes Amex to report a new card to the bureaus?
I just opened an Amex gold card on Monday 4/11, it is my third card with them.
I have been wanting to add another Chase card to my wallet for a while, but was always well over the 5/24 rule. I am pre-qualified for the Chase Amazon visa, and have seen a bunch of people bypass the 5/24 with that pre-qual so I was ready to pull the trigger. However, I noticed 2 accounts that I opened on 4/17/2020 that will be falling off of the 5/24 in 2 days, and this will put me at 4/24. I know a lot of people suggest waiting until the start of the next month to ensure the 5/24 is cleared. However, If this Amex posts before that It will put me back at 5/24.
If It comes to it, I am happy to take a shot at the Amazon Visa, but I would much rather a core Chase card (Business Ink). Do I wait for the first of the month and app with Chase and risk the account posting? And if the account does post, I don't want/know if the new account/inq to mess up the Amazon Visa approval chances.
Guide me mighty fico forum masterminds
Edit: at the risk of answering my own question, it looks like my original card reported a little over a month later, and the second card was 2 weeks. Any additional DP's would be great.
Remember what was discussed about timing and patience. You can either plan your strategy well or shoot yourself in the foot.
A well planned strategy means nothing without the will power to execute it 🤪
But I get what your saying, I think the move is to wait until the first of June and go for the core chase card. If Amex reports, so be it, I'll try my pre-qual for the Amazon Visa. I'll actually be 5/24 instead of the 6/24 I am now, so im hoping the pre-qual will still work.
The prequal's come and go.
I had pre-approvals for four Chase cards a little over a year ago when I was 5/24. I got the FU initially, then three months later, the Flex. With the Flex, I was at 6/24. 🤷 No idea how or why that worked out, but it did. Right now I'm 6/24 with no pre-approvals showing.
Just adding my data point for reporting to the CBs. Approved for my first AMEX on 2.12.22 and reported on 4.16.22
Thanks! What was the first statement date on the Amex?