Do the banks & the CRA's operate 7 days a week?

W261w261 · ‎01-18-2022

Let's say that a card of mine closes on the 11th, but the 11th is a Sunday or a holiday. Does my updated info get pushed to the CRA's on the 11th? If that's the case, do the CRA's update their files on holidays? Or does everybody keep banker's hours? Thx

gdale6 · ‎01-18-2022

@W261w261 wrote:
Let's say that a card of mine closes on the 11th, but the 11th is a Sunday or a holiday. Does my updated info get pushed to the CRA's on the 11th? If that's the case, do the CRA's update their files on holidays? Or does everybody keep banker's hours? Thx

Its all run by automation 24/7/365 but it does take the CRAs time to get it into everyones file.

W261w261 · ‎01-18-2022

Thx

Anonymous · ‎01-18-2022

Will add I have seen my CBs updated on Sunday.

SUPERSQUID · ‎01-19-2022

I would like to add, all 3 of my cra's report on major holidays, thanksgiving etc

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Phana24 · ‎01-19-2022

@W261w261 wrote:
Let's say that a card of mine closes on the 11th, but the 11th is a Sunday or a holiday. Does my updated info get pushed to the CRA's on the 11th? If that's the case, do the CRA's update their files on holidays? Or does everybody keep banker's hours? Thx

Yes, they do, BUT.... some will vary the reporting date. Disc, Amex, BOA, Citibank, etc., have always reported on the same day regardless of weekend/holiday. However, my Citizen's Bank card and Sync card will vary, but there's no consistency. Sometimes, they'll move it a day up, and sometimes it is delayed by a day. If you have a "floater" and want to play the AZEO game, it's a good idea to use a card that has a date that can vary. Here's a s/s of my reporting dates by Sync on their PayPal card for a portion of last year: