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How lond did it take your new account to post?

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Established Contributor

Re: How lond did it take your new account to post?


@AverageJoesCredit wrote:
Synchrony, 30 seconds after approval 😂

So true. Add one of their products and in 1-3min all the alerts will hit you.

 

Bank of America- First Statement Date

Blispay- First Statement Date(Experian), Never(All others)

Capital One Bank- First Statement Date

JP Morgan Chase Bank- First Statement Date

Citi Bank- First Statement Date

Citizens Bank- First Statement Date

Discover Bank- 1-7 Days

FedEx Employee Credit Association- First Statement Date

First National Bank of Omaha- First Statement Date

Pentagon Federal Credit Union- First Statement Date

Synchrony Bank- 30 Seconds

UMB Bank- 7-10 Days

US Bank- First Statement Date

 

Be aware that the first statement date can be slightly after approval.

TU:758 06/19/20 Bank of America--EX: 776 06/10/20 Experian--EQ:810 09/25/18 Citi--Gardening since 07/02/20
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend MC, Citizens GreenSense MC, Discover It C, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, HSBC Cash Rewards WMC, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC)
Wishlist: AOD Signature, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 11 of 18
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Senior Contributor

Re: How lond did it take your new account to post?

I truly don't that think there's a hard science behind it, it's probably more of a YMMV situation. While Amex is the constant 2 statement periods for most of us, others are all over the place. 

 


@zerofire wrote:

@AverageJoesCredit wrote:
Synchrony, 30 seconds after approval 😂

So true. Add one of their products and in 1-3min all the alerts will hit you.

 

Bank of America- First Statement Date

Blispay- First Statement Date(Experian), Never(All others)

Capital One Bank- First Statement Date

JP Morgan Chase Bank- First Statement Date

Citi Bank- First Statement Date

Citizens Bank- First Statement Date

Discover Bank- 1-7 Days

FedEx Employee Credit Association- First Statement Date

First National Bank of Omaha- First Statement Date

Pentagon Federal Credit Union- First Statement Date

Synchrony Bank- 30 Seconds

UMB Bank- 7-10 Days

US Bank- First Statement Date

 

Be aware that the first statement date can be slightly after approval.


I recently apped a BoA card and it already shows on CRA, an my first statement hasn't cut yet.






Message 12 of 18
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Epic Contributor

Re: How lond did it take your new account to post?


@AverageJoesCredit wrote:
Synchrony, 30 seconds after approval 😂

While I was filling out the app screamer emoticon.gif

 

Message 13 of 18
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Epic Contributor

Re: How lond did it take your new account to post?


@tparks5961 wrote:

I recently got a synovus personal credit card and it posted as a new account in 5 business days. So i was just curious as to how long it'll take for different companies to post a new account.

 

 


PayPal Credit 7 yearsSmiley Tongue

Message 14 of 18
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Regular Contributor

Re: How lond did it take your new account to post?

I thought synchrony reported before you decided to app? 30 seconds is about right for them. I swear I have gotten a new account alert before the inquiry alert.

Amex reports on the second statement.
All my others (that I remember) have reported on the first statement.

Apple is reporting 3 months old info to TU.

US bank reports on the last business day of the month but I’m not sure about a new account (if something might be generated at statement date in addition).

Statements can be anywhere from 1 or 2 to 30-ish days after the account is opened. I’ve not had any that reported at any specific number of days. It’s always coincided with the first or second statement (except synchrony which is pretty immediate).
Message 15 of 18
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Frequent Contributor

Re: How lond did it take your new account to post?

I don't remember how fast Cap1 posted as it was my first card prior to coming here.

WF cut a $0 statement on the day they mailed the card, pretty sure the accpunt was on my report before I even got the card. On the bright side got a free month of "good standing" towards my history.

Disco posted when my first statement cut. First statement cut roughly 2 weeks after approval



Goal: Mortgage/Chase Trifecta






Message 16 of 18
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Super Contributor

Re: How lond did it take your new account to post?

Discover reported for me in days. American Express took three months. I’ll have to look up the others.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:




Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 17 of 18
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Re: How lond did it take your new account to post?

Chase - more than 1 month

Citi - 1-2 weeks (got a new account hit before I even activated the card)

 

Message 18 of 18
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