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How long does it take Chase to report 0 balance?

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bal90210
New Member

How long does it take Chase to report 0 balance?

Applying for a loan and need my balances at zero.

 

I paid off my Chase cards 5 days ago, June 2nd, and it still hasn't updated with the bureaus.   I thought they were very fast with zero reporting?

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coldfusion
Community Leader
Mega Contributor

Re: How long does it take Chase to report 0 balance?

IME, 1 business day after they acknowledge they received payment.

 

Did you push payment from a different bank/CU and if so, when looking at your account online/moble app when did Chase show payment received and balance zero'd out?

(2/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 4
RSX
Valued Contributor

Re: How long does it take Chase to report 0 balance?

definitely should have reported by now - BUT

you did the payment on a Friday - which means the first 3 days are wasted - but i still think it should have reported yesterday or today

 

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $29.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $8k
Message 3 of 4
SouthJamaica
Mega Contributor

Re: How long does it take Chase to report 0 balance?


@bal90210 wrote:

Applying for a loan and need my balances at zero.

 

I paid off my Chase cards 5 days ago, June 2nd, and it still hasn't updated with the bureaus.   I thought they were very fast with zero reporting?


My experience has been that they report within a couple of days.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

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