@NRB525 wrote:
@expatCanuck wrote:
Absolutely. My Barclaycard Ring reported the account to the bureaus less than a week after I was notified of my approval -- about a week before the card actually arrived. And the card has yet to generate its first statement.Ok, so there is some variation. Did that report with a balance of any kind, even zero, or just listing the new account and limit?
I recently got a new credit union credit card. When the first statement was issued, the balance was $350. The card did not first report to the bureaus until 5 days after the statement date (which was about 10 days after the account had been approved). But when it reported, it reported the balance that was in effect 3 days after the statement cut, which was much higher, due to several balance transfers.
Presumably future reports will be of the statement balance, but who knows.
@SouthJamaica wrote:I recently got a new credit union credit card. When the first statement was issued, the balance was $350. The card did not first report to the bureaus until 5 days after the statement date ... But when it reported, it reported the balance that was in effect 3 days after the statement cut, which was much higher, due to several balance transfers.
That must have just warmed your heart. 
@expatCanuck wrote:
@SouthJamaica wrote:I recently got a new credit union credit card. When the first statement was issued, the balance was $350. The card did not first report to the bureaus until 5 days after the statement date ... But when it reported, it reported the balance that was in effect 3 days after the statement cut, which was much higher, due to several balance transfers.
That must have just warmed your heart.
Yeah, it bummed me out, suppressed my scores. But the takeaway is that there is a limit on the extent to which we can micromanage these things.
I wish I could nix the itch to micromanage my credit. It's completely unnecessary, but it's sort of an addiction I suppose. Will it ever end? When I hit 850? Probably not, as my 850 score would probably drop to 835-840 if I stopped micromanaging it, thus prompting me to micromanage again. Ugh, no light at the end of the tunnel. It's like the carrot is forever dangling out there and it can't be achieved. One you get there, the sticks get moved again and you start a new set of downs. I hope one day I grow tired of the micromanagement aspect 
@Anonymous wrote:I wish I could nix the itch to micromanage my credit. It's completely unnecessary, but it's sort of an addiction I suppose. Will it ever end? When I hit 850? Probably not, as my 850 score would probably drop to 835-840 if I stopped micromanaging it, thus prompting me to micromanage again. Ugh, no light at the end of the tunnel. It's like the carrot is forever dangling out there and it can't be achieved. One you get there, the sticks get moved again and you start a new set of downs. I hope one day I grow tired of the micromanagement aspect
I'm sure the primary reason I do it is because to me, it's fun. If and when we no longer find it fun, we'll probably move on. I know when I try to talk to other people about it, their eyes glaze over. So for them, I guess it wouldn't be fun.
True. I find it fun as well. But, I do find that "fun" to consume a good amount of my time and energy. As much as I seemingly enjoy it now, I do hope that one day I don't enjoy it any longer 
Recently received a Chase Freedom card.
It appeared in 25 days on EX;
in 27 days on EQ & TU
Yet..
TU says First reported date is later than EQ's & EX's "Date Opened"
Starting Score: Fico 8: EQ 721 TU 742 EX 736