Does Chase still report automatically when you pay down to $0 balance?

[cluelessoregonguy]

I accidently let my Freedom report at like 85% util because the statement date in the account area was like 2 weeks off. I went ahead and PIF. Do they still update mid statement cycle when you pay to $0? If so how long do they usually take to update? Any quirks with having a negative balance?

I don't really have anything to apply for atm but want to see what my scores do at under 1% util.

[Anonymous]

i think they update once a month but dont quote me on that

---

@cluelessoregonguy wrote:

I accidently let my Freedom report at like 85% util because the statement date in the account area was like 2 weeks off. I went ahead and PIF. Do they still update mid statement cycle when you pay to $0? If so how long do they usually take to update? Any quirks with having a negative balance?

I don't really have anything to apply for atm but want to see what my scores do at under 1% util.

---

[JLK93]

Chase updates to the credit bureaus any time you PIF to 0.

If you still have pending charges, I am not sure if they will update.

There are no quirks to having a negative balance.

[cluelessoregonguy]

---

@oilcan12 wrote:

Chase updates to the credit bureaus any time you PIF to 0.

If you still have pending charges, I am not sure if they will update.

There are no quirks to having a 0 balance.

---

Thanks for the info! That's kind of cool. Guess I'll have to carry a small balance on a different card though.

[AirlinerDudeB6]

---

@oilcan12 wrote:

Chase updates to the credit bureaus any time you PIF to 0.

If you still have pending charges, I am not sure if they will update.

There are no quirks to having a negative balance.

---

+1

I can confirm this also.

It just happened to me last cycle.  PIF ----> updated with in a couple days on my reports.

[cluelessoregonguy]

Yeah this worked like a charm. I literally paid this like 16 hrs ago and now my balance is showing $0 on Experian. Very nice!

[Revelate]

---

@AirlinerDudeB6 wrote:

---

@oilcan12 wrote:

Chase updates to the credit bureaus any time you PIF to 0.

If you still have pending charges, I am not sure if they will update.

There are no quirks to having a negative balance.

---

+1

I can confirm this also.

It just happened to me last cycle.  PIF ----> updated with in a couple days on my reports.

---

So that's what happened.

I had an 87% balance all set to report on my Freedom for FICO testing, was two days past the statement date so I felt certain it would cut and report as expected so PIF'd... and it was flatlined at zero.

Oh well, lost data point... will know for next time .