CJ question

[Anonymous]

Okay, everyone here has had such wonderful success with CJ that we went ahead and got hubby an account (I'm next!) ... my question is this:

Since it won't report (I'm assuming, from all that I've read here) until NEXT month, regardless of if we purchase today or not, what do you all think about sending a check in with our order?

I'd assume that by the time the check clears, it would be around the time for the account to start reporting ... or am I wrong??

Opinions, experiences and advice more than welcomed!!! TIA!!

[Anonymous]

WRONG...they report...during the 1st week of the month...and report...when they ship out the shipment...they might still report this month for you...what do you mean send a check out with your order???...your order is online...are you planning on paying it off...before they even report..you must know...when they first report...they report a $0 balance...until the next month...

[wahmom]

Mine didn't report a 0 balance. I made my first order on 6/10 and I think it was shipped on 6/12? But it didn't report to EX until yesterday and hasn't reported to TU yet but it shows a $26 balance. I was approved for a $1500 CL but it reported as $2500.

[Anonymous]

My wife recently got one...reported today...and it shows a $0 balance...and mine reported that for the first reporting date too...maybe because we didn't get a bill...before the reporting date...I got mine at the end of March...$1500 CL...today...it was updated to a $2500CL...my wife was approved for a $1500CL...and it reported a $2500 CL...I think they probably are doing this for the business...CJ is getting a lot of business...because of myFICO especially...so their profits are booming...and in exchange are raising CLs...because before...the only way to get a $2500 CL...was to buy some...that was more than $1500...like an engagement ring or something...

[Anonymous]

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@Anonymous wrote:
WRONG...they report...during the 1st week of the month...and report...when they ship out the shipment...they might still report this month for you...what do you mean send a check out with your order???...your order is online...are you planning on paying it off...before they even report..you must know...when they first report...they report a $0 balance...until the next month...

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Okay, I'm confused (yeah, that's REALLY amazing, isn't it?! LOL) ... I thought that they only report to the CRAs once a month?

We just got approved today, so I didn't think it would show up until next month (since I've heard others saying that if you apply, get approved and buy before the beginning of the month, it'll hit your accounts the next month).

When does it seem to report?

[MichiganMommy]

Any idea why CJ has shown up on EX and not TU yet? I see another person has the same thing that has happened. Do CRA have random days when they update or do they update on the same date depending on the CRA?

[Schoolbuskid]

They upped my limit to 2500 as well! Hey i'll take it! Yea thanks to myFICO business is flowing!

[Client9]

I just sent my down payment check in the mail today to CJ.  for some reason my PayPal wasnt working so hot, so I will do it the slow snail mail way

[Anonymous]

Do they report when you've made a purchase or when you've made a payment?

I, too, will just send the payment in by cashiers ... I've not used PP in so long that I don't think the CC on the account is current (and would have to wait until it's "verified" anyway, before I could use it) and I REALLY don't want to use a CC, either.

[Schoolbuskid]

The thing i dont get is that they are reporting a balance of $58 when it should be $32 i made my $25 payment well before the due date and that would bring my account balance to $32-$33.

It shows recent payment as $25. I just thought that was strange!