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I just got several new cards and am trying to make sure I know what I am doing for AZEO. So who knows what cards report when?
Cap One - Reports on statement cut.
Chase - Reports at statement cut and off cycle when balance is at $0.
Discover - ? I got alerts that discover reported my new TL right away, I have not had a statement cut yet but I also got an alert yesterday that a balance had been reported. Does discover report at month end?
AMEX - ?
Citi - ?
Sync (Lowes) - ?
Elan Financial - Reports at month end.
AMEX reports on statement date
Citi Diamond reports on statement date which in my case is 48 hours after due date
My Cap One QS reports 24 to 48 hours after statement date.
Don't know about the rest.
Y
You'll find that the vast majority report on the statement cut date or within a couple of days of that. As long as you have a CMS of some sort like Credit Karma you can see the last reported dates, so within 2 cycles you'll be able to jot down the date you can expect all of your accounts to report once each of them reports once after the initial reporting.
@Anonymouswrote:You'll find that the vast majority report on the statement cut date or within a couple of days of that. As long as you have a CMS of some sort like Credit Karma you can see the last reported dates, so within 2 cycles you'll be able to jot down the date you can expect all of your accounts to report once each of them reports once after the initial reporting.
Yes I use CK. I will have to track it that way. I just wasn't expecting the alert from Discover. My AZEO may not be right for a couple of months, but it really won't matter since I'm in the garden right now.
@MakingProgresswrote:I just got several new cards and am trying to make sure I know what I am doing for AZEO. So who knows what cards report when?
Cap One - Reports on statement cut.
Chase - Reports at statement cut and off cycle when balance is at $0.
Discover - ? I got alerts that discover reported my new TL right away, I have not had a statement cut yet but I also got an alert yesterday that a balance had been reported. Does discover report at month end?
AMEX - ?
Citi - ?
Sync (Lowes) - ?
Elan Financial - Reports at month end.
My discover card statement period ends today and usually posts a few days after.
@MakingProgressYes I use CK. I will have to track it that way. I just wasn't expecting the alert from Discover. My AZEO may not be right for a couple of months, but it really won't matter since I'm in the garden right now.
You are correct, no need to sweat AZEO post-apps... only pre-apps if you feel the scoring boost could benefit your app results. You can take a couple of cycles to compile your reporting date data and then be all set for AZEO from there on out.
Lowes reports after statement cut, but apparently also when there's a large swing. I paid $3K toward my $15K balance and it reported immediately, then reported again at statement cut reflecting the new interest charge.
@MakingProgress wrote:I just got several new cards and am trying to make sure I know what I am doing for AZEO. So who knows what cards report when?
Cap One - Reports on statement cut.
Chase - Reports at statement cut and off cycle when balance is at $0.
Discover - ? I got alerts that discover reported my new TL right away, I have not had a statement cut yet but I also got an alert yesterday that a balance had been reported. Does discover report at month end?
AMEX - ?
Citi - ?
Sync (Lowes) - ?
Elan Financial - Reports at month end.
Discover, Amex, Sync, and Citi all report statement balance.