Capital One cc not reporting yet to credit bureaus

IcyCool7227 · ‎02-12-2023

I got approved for a Capital One Savor One card on the 1st of January this year but yet it's now Feb. 12th and it still doesn't show up as an account on any of the 3 credit bureaus. How long is it going to take to report? Why is it so delayed?

As of: 3/28/24:

EQ: 785 (prev. 778 on 2/6/24; 773 on 1/26/24 & 750 on 1/7/24 & 626 on 6/7/24 & 652 in April 2023) - FICO 8
EX: 763 (prev. 755 on 2/6/24; 753 on 1/26/24 & 732 on 1/7/24 & 643 on 6/7/24 & 619 in April 2023) - FICO 8
TU: 759 (prev. 748 on 2/6/24; 744 on 1/26/24 & 689 on 1/7/24 & 6/7/24 & 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $5,000
- Capital One SavorOne Cash Rewards: $1,200
- Chase Freedom Flex: $500
- Discover it Cashback: $2,000
- Kohl’s Charge: $3,000
- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
- Zolve: Shows up but have not set up yet as no money has been put on the account.

jsweeti1 · ‎02-12-2023

Hi Icy,

In my experience, Cap1 does take a bit to report to the credit bureaus. It took them almost a month and a half (nearly two months) to show up on my credit report. However, keep in mind that once Cap1 reports to credit bureaus, it may even take the bureaus a bit to report as well.

FICO8 Scores as of October 2023:

Credit Cards:

Discover it Cash Back | $6,000 | 07/2023

Utilization: 1-4%; Inquiries: 15

*Tip: if you hover over the credit cards, you can see the credit limit for each

OmarGB9 · ‎02-12-2023

Sometimes CC issuers take up to 2 months to report. Don't worry.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

nytokyobred79 · ‎02-12-2023

Similar to the comments above, no need to panic as each lender will conduct their 1st report at different intervals. For example, when I got my Cap1 card last July, it didn't report until Sept. My Amex card that I also got at the same didn't report until Sept either. Conversely, some lenders may report right away. I just opened 2 Bank of America cards a week ago and one has already reported since the closing date was a few days after opening it. It really depends on the lender.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $205, 500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 20.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

WGJ · ‎02-12-2023

Got approved for Venture X on 12/13/2022, reported to transunion 2/9/2023, equifax and experian 2/10/2023