Chase no longer reporting when paying to zero?

[Anonymous]

Question in the title. I just got approved for the BCP and had one other card I wanted to apply for before gardening. I wanted to lower my utilization before applying to look as good as I could and bump my score a couple of points, and since I didn't have any cards with a balance left to report this month, I chose to pay off my CFU,  thinking it would report now instead of waiting until my closing date of Apr 08. It always has before when I paid it completely off. It's been several days now since the payment posted (pulled from my Chase checking) and my balance showed zero, so even with the weekend, I would think it would've reported by now. Do they not do that anymore?

I guess in the end it doesn't really matter, I forgot that my CLI on my Amazon card would drive down my utilization anyway so I'm down to 6% as it is, and that pushed me over 750.  I just wanted to know for the future if Chase no longer does report when paid to zero, and if not, is that a known thing and I'm out of the loop? 

[Credit4Growth]

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@Anonymous wrote:

Question in the title. I just got approved for the BCP and had one other card I wanted to apply for before gardening. I wanted to lower my utilization before applying to look as good as I could and bump my score a couple of points, and since I didn't have any cards with a balance left to report this month, I chose to pay off my CFU,  thinking it would report now instead of waiting until my closing date of Apr 08. It always has before when I paid it completely off. It's been several days now since the payment posted (pulled from my Chase checking) and my balance showed zero, so even with the weekend, I would think it would've reported by now. Do they not do that anymore?

I guess in the end it doesn't really matter, I forgot that my CLI on my Amazon card would drive down my utilization anyway so I'm down to 6% as it is, and that pushed me over 750.  I just wanted to know for the future if Chase no longer does report when paid to zero, and if not, is that a known thing and I'm out of the loop? 

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^^^^+10000000

I would really like to know if things have changed.

[Remedios]

When did you pay? 

[gdale6]

They still reported it for my AARP this month, took 4 days to show up after it hit zip. Its not instant and weekends seem to delay it

[FlaDude]

Took 4 days for my CSP to mid cycle report after paying it to zero last week.

[Credit4Growth]

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@FlaDude wrote:

Took 4 days for my CSP to mid cycle report after paying it to zero last week.

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^+4 

That is about the same amount of time I noticed during my last off cycle update on my Freedom CC (January 2021).

It would update in 1 or 2 days on Experian and in about four day it would update on TransUnion and Equifax.

Thank you for the responses!

[coldfusion]

I paid off 2 cards on Thursday.   Experian reported both of them paid down to $0 this morning. 

[Remedios]

My last HP on TU is about to become unscorable. 

In my never-ending quest to gain a few ficos,  I'm holding off on paying measly balance on CSR so once it reports paid off I'll get to see if there's been a scoring change. 

This thread helped with deciding on when to separate with those $9.00

[blindambition]

No issues reporting $0 for me. Paid my Amazon a week before due date, and Experian updated next day, with EQ and TU reporting 3 days later. Then updated $0 again on statement close.

[Remedios]

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@blindambition wrote:

No issues reporting $0 for me. Paid my Amazon a week before due date, and Experian updated next day, with EQ and TU reporting 3 days later. Then updated $0 again on statement close.

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They're going to start charging you for all that reporting 😂