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  1. So my Amex reported upon refresh of USAA today. I have read that letting a balance report may, or may not, aid in the first reporting cycle. Here are my results: Two cards, approved same day, 30 days ago. PRG no balance/did not report first cycle. ED had a balance/reported first cycle, 30 days after acct opening, 3 days after statement close. If we can get more data on this we can establish how much the balance reporting method has on reporting the new accounts. Whether or not it is more common with revolvers opposed to charge cards. There must be a method to the madness that is Amex. Please share your recent results or add to this thread when your new accounts report, with the basic information.

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