How long does it take Chase to report 0 balance?

bal90210 · ‎06-07-2023

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?

coldfusion · ‎06-07-2023

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?

(3/2024)
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

RSX · ‎06-07-2023

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 Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k

SouthJamaica · ‎06-07-2023

@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.