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Cap One billing cycle ends on 22nd, when is it reported?

omgitsMatt
Frequent Contributor

Cap One billing cycle ends on 22nd, when is it reported?

Hi guys, trying to pick and choose which card to make a big payment on atm, I could use some help

When can I expect to see the new utilization reflected on my credit if a billing cycle ends on the 22nd on Jan?

7 to 10 days after the billing cycle ended?
Message 1 of 4
3 REPLIES 3
Plip
Frequent Contributor

Re: Cap One billing cycle ends on 22nd, when is it reported?

Just took a look, and my Capital One Spark card statement was on January 13. My balance changes hit Experian and TransUnion on January 17 and Equifax on January 20. So in my case, this month it was 4-7 days. I would expect with Cap One that's going to be pretty consistent, give or take a couple of days.

Message 2 of 4
DommieD
Regular Contributor

Re: Cap One billing cycle ends on 22nd, when is it reported?

Agreed. My statement hits on the 17th and the new balance is reported 2-3 days later. 

Current Fico:
As of April 2018:


Message 3 of 4
Iceywarm
New Contributor

Re: Cap One billing cycle ends on 22nd, when is it reported?

Cap One is very great about their reporting. I unfortuantly do not like how they do business but they are great about being 100% transparent on how they report. 

Message 4 of 4
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