Balances and Statement Dates

[VirtualCuriosity]

Good morning all.  I am trying to figure out the reporting dates on my cards since I have to PIF more than once per month, due to small CLs.  I am not positive I am understanding the whole paying the balance prior to the statement date "cuts", "drops", or any other terms I see on the threads.  I am not stressing trying to squeeze an extra FICO point or two out right now, I just want to understand this for future reference and knowledge.  Here are the 2 cards that I push transactions through:

Discover IT   (Due date Apr 28) -  The Statement Period online reads (Mar 17 - Apr 2)

I have already PIF this month but, I have another large balance pending overnight and will show today.  My online banking won't pay until Monday.  So, is the reported balance to the CRAs going to be whatever was showing on Apr 2nd? 

Chase Freedom (Due date May 7) - online reads "You have no statements for this period. It may be because:

• Your account is new or it's the first month of the year and your account hasn't generated a statement yet."

I guess I will have to wait to figure out Chase out. 

[InvincibleSummer3]

Depends on the card issuer. Mine report within 3-5 days after the due date.

There are rumors on the credit card forum that Discover generally reports the statement date BUT has been known to report mid-cycle occasionally.

[lg8302ch]

so far all of my cards have reported the statement balance. watching the statement cut date and pay whatever you do not want to get reprted before that date works for me. some report in the middle of the month but always the last statement balance..so I do not care about reporting date but watch the statement cut date rather. works for me

[Anonymous]

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@lg8302ch wrote:
so far all of my cards have reported the statement balance. watching the statement cut date and pay whatever you do not want to get reprted before that date works for me. some report in the middle of the month but always the last statement balance..so I do not care about reporting date but watch the statement cut date rather. works for me

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+1 all my 7 cards report statement balance and all of them withing 3 days of the statement date.

[DaveSignal]

Most of my cards report on the statement date.  My STAR card, however, reports on the 1st of the month and it reports the current balance, not the statement balance.  I don't use this card often, but sometimes I get gas with it.  If I do, I pay the balance before the 1st.

So, the statement balance reporting on the statement date is pretty normal.  Usually you see this on your reports shortly after the statement date.  There are occasional cards that do strange things, however.  You would need to be able to check your reports frequently to figure this out if you have a lot of cards.