IMPRINT Terrible credit reporting Amex Rakuten

[911gt34life]

Amex Rakuten

last year I was approved for this account but since 1/1/2026  hasn't been updated don't understand what's the point of a statement

this account not on my equifax report either anyone else ? 

[FicoMike0]

It looks like the card is issued by First Electronic Bank, I think bureau reporting is up to them. 

I have the aven visa card, issued by Coastal Community Bank. They don't report to TransUnion.

[pip3man]

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@911gt34life wrote:

Amex Rakuten

last year I was approved for this account but since 1/1/2026  hasn't been updated don't understand what's the point of a statement

this account not on my equifax report either anyone else ? 

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I just recently got mine in December. It does NOT report to Equifax but it is on Experian and Transunion. Just like you I had a statement balance in December which I paid in full in January. It's now March and my zero balance still hasn't been updated on any bureau.

[fullstackdev]

Additional data points: I've had the Turkish Airlines card issued by Imprint/FEB since August 2024. They report to all 3, but reporting seems to be semi-regular. My latest data:

• EQ: Dec 15, 2025
• TU: Jan 14, 2026
• EX: Jan 14, 2026

Every month from account opening up to the reporting dates is reported.

Side note: this delayed reporting caused me to miss my Path to Apple Card goals last year. I have not been able to trigger another invite (or approval) since then.

[DeeBee78]

Funny how some of these cards report selectively, but if you defaulted on one of them, you better believe that they would report to all three immediately 

[mgood]

My Eddie Bauer Mastercard is from Imprint. It reports to all three beureaus.

I don't know how quickly it reports. I've never had an issue that drew my attention to it.

[pip3man]

@fullstackdev glad to see someone else who holds this card cos it seems to be less popular. I was also approved for the Miles & Smiles card, how has your experience been so far and how quickly are earned miles posted to your TK portal? Also, within the past few days I noticed in the Imprint app that the card art/image has been blank, are you also experiencing the same or is it just me? Still waiting on the physical card to be delivered but I already hit the $2k SUB the same day I was approved.

[fullstackdev]

@pip3man  I like the card and use it on and off. I received my metal card pretty quickly after approval. I don't open the app too often, so I haven't noticed any issues recently.

My miles post to the portal pretty soon after the billing period in which they're earned. At least I haven't noticed any significant delay. But I'm saving my miles to flee the country this summer before things get too bad, so I don't watch them too closely.

[pip3man]

Niceee, I'm pretty sure the metal card was a limited edition for the launch cos I tried to apply back then and was denied. I'm likely gonna be getting a plastic one lol. We share the same sentiment as far as jetting off the country when things gets pretty bad. I have my airline miles, locked and loaded lol.

[911gt34life]

I went ahead and filed with cfpb let's see something happens...