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BobWang

The Master Credit Cards that Report Mid-Cycle Midcycle or Before Statements Close Thread

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On my Discovery account:

 

10/20/2014: Statement closes with activity, but $0 balance.

 

11/20/2014: Statement cycle ends with no activity, no statement generated.

 

12/20/2014: Statement cycle ends with no posted activity, no statement generated.

 

12/20/2014: Made one $2 purchase, posts 12/21/2014.

 

12/23/2014: $2 balance reports on CCMP (may have reported anytime between 12/21 and 12/23... the oldest archived report is dated 12/23).

 

01/20/2015: Statement cycle ends. $2 "Small Balance Credit" posts, statement generated with $0 balance.

 

01/21/2015: Reports to CCMP as $0.

 

1/26/2015: Made one ~$2 purchase. We'll see if they update my credit reports with a balance again when the charge posts...

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On my Discovery account:

 

10/20/2014: Statement closes with activity, but $0 balance.

 

11/20/2014: Statement cycle ends with no activity, no statement generated.

 

12/20/2014: Statement cycle ends with no posted activity, no statement generated.

 

12/20/2014: Made one $2 purchase, posts 12/21/2014.

 

12/23/2014: $2 balance reports on CCMP (may have reported anytime between 12/21 and 12/23... the oldest archived report is dated 12/23).

 

01/20/2015: Statement cycle ends. $2 "Small Balance Credit" posts, statement generated with $0 balance.

 

01/21/2015: Reports to CCMP as $0.

 

1/26/2015: Made one ~$2 purchase. We'll see if they update my credit reports with a balance again when the charge posts...

 

 

1/28/2015: Transaction has posted. Discovery continues to report at $0.

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On my Discovery account:

 

10/20/2014: Statement closes with activity, but $0 balance.

 

11/20/2014: Statement cycle ends with no activity, no statement generated.

 

12/20/2014: Statement cycle ends with no posted activity, no statement generated.

 

12/20/2014: Made one $2 purchase, posts 12/21/2014.

 

12/23/2014: $2 balance reports on CCMP (may have reported anytime between 12/21 and 12/23... the oldest archived report is dated 12/23).

 

01/20/2015: Statement cycle ends. $2 "Small Balance Credit" posts, statement generated with $0 balance.

 

01/21/2015: Reports to CCMP as $0.

 

1/26/2015: Made one <$2 purchase. We'll see if they update my credit reports with a balance again when the charge posts...

 

 

1/28/2015: Transaction has posted. Discovery continues to report at $0.

 

 

1/29/2015: Discovery continues to report at $0. Let's see if they do an EOM update.

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Had a $4k balance on chase card for a few months, paid it off and chase immediately updated CR with 0 balance (almost 3 weeks before statement cuts).

 

Don't know if that's normal or just a reach around by chase but there it is lol.

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FIA just reported mid cycle for me for a CLI.

 

Ended up showing relatively high util on the account as well.

 

BofA/FIA ALWAYS reports when they give you a CLI, product change etc.

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Don't know if that's normal or just a reach around by chase but there it is lol.

Not normal at all.

 

 

Totally normal for Chase. Anytime you PIF they immediately report a $0 balance to the CRA's mid-cycle...one of the coolest things about Chase IMO

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FIA just reported mid cycle for me for a CLI.

 

Ended up showing relatively high util on the account as well.

 

BofA/FIA ALWAYS reports when they give you a CLI, product change etc.

 

IIRC even when you add an AU.

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Don't know if that's normal or just a reach around by chase but there it is lol.

Not normal at all.

 

For Chase, it is normal.

 

I guess I am not normal then.

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Don't know if that's normal or just a reach around by chase but there it is lol.

Not normal at all.

 

For Chase, it is normal.

 

I guess I am not normal then.

 

:dntknw:

can't help you there ...

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:dntknw:

can't help you there ...

 

What I meant was my AARP card I would payoff 15-20/mo and it did not report mid-cycle.

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:dntknw:

can't help you there ...

 

What I meant was my AARP card I would payoff 15-20/mo and it did not report mid-cycle.

 

You have to pay it off completely, to $0.

It will report that mid-cycle.

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I would max the CL and pay off completely 15-20 times a month. Maybe I it was reporting and I just didn't notice (or care). I will defer to the experts on this.

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FIA just reported mid cycle for me for a CLI.

 

Ended up showing relatively high util on the account as well.

 

BofA/FIA ALWAYS reports when they give you a CLI, product change etc.

 

New account also. Applied/received Chase and BOA on same day. BOA reported immediately, Chase has yet to report.

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On my Discovery account:

 

10/20/2014: Statement closes with activity, but $0 balance.

 

11/20/2014: Statement cycle ends with no activity, no statement generated.

 

12/20/2014: Statement cycle ends with no posted activity, no statement generated.

 

12/20/2014: Made one $2 purchase, posts 12/21/2014.

 

12/23/2014: $2 balance reports on CCMP (may have reported anytime between 12/21 and 12/23... the oldest archived report is dated 12/23).

 

01/20/2015: Statement cycle ends. $2 "Small Balance Credit" posts, statement generated with $0 balance.

 

01/21/2015: Reports to CCMP as $0.

 

1/26/2015: Made one <$2 purchase. We'll see if they update my credit reports with a balance again when the charge posts...

 

 

1/28/2015: Transaction has posted. Discovery continues to report at $0.

 

 

1/29/2015: Discovery continues to report at $0. Let's see if they do an EOM update.

 

 

2/1/2015: Discovery continues to report at $0.

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Don't know if that's normal or just a reach around by chase but there it is lol.

Not normal at all.

 

 

Totally normal for Chase. Anytime you PIF they immediately report a $0 balance to the CRA's mid-cycle...one of the coolest things about Chase IMO

 

Absolutely correct. But it has to be a statement close balance that reported to be specific. And after PIF that any time during the cycle, yes they will re-report a $0 balance. :good:

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Blech. So probably the only cards of mine that might report my midcycle PIFs I just sent are Cap1 & Chase? Merrick, Target & BBRZMC will all wait until their cycle dates? :(

Edited by dansamy

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On my Discovery account:

 

10/20/2014: Statement closes with activity, but $0 balance.

 

11/20/2014: Statement cycle ends with no activity, no statement generated.

 

12/20/2014: Statement cycle ends with no posted activity, no statement generated.

 

12/20/2014: Made one $2 purchase, posts 12/21/2014.

 

12/23/2014: $2 balance reports on CCMP (may have reported anytime between 12/21 and 12/23... the oldest archived report is dated 12/23).

 

01/20/2015: Statement cycle ends. $2 "Small Balance Credit" posts, statement generated with $0 balance.

 

01/21/2015: Reports to CCMP as $0.

 

1/26/2015: Made one <$2 purchase. We'll see if they update my credit reports with a balance again when the charge posts...

 

 

1/28/2015: Transaction has posted. Discovery continues to report at $0.

 

 

1/29/2015: Discovery continues to report at $0. Let's see if they do an EOM update.

 

 

2/1/2015: Discovery continues to report at $0.

 

 

2/6/2015: Discovery continues to report at $0, despite the $1.99 balance on my account that's been there since 1/26.

 

Maybe they don't report balances mid-cycle if they're under $2.

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On the other side of the coin, I was carrying a large (92%) balance on the Disc IT card for awhile due to money troubles and just paid it to zero. I called them to REQUEST a mid cycle report and within 30 seconds the agent said "No problem at all, I put that request through and it should report in 24-72 hours." I also tried with the following and all said no:

NFCU

Sync- Walmart and PP

Cap1 QS

First Progress

 

I will report back if/when Disc shows 0 balance.

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I know this is older thread, but still RELEVANT and since it was listed under Master of Master Masters Thread, I thought I'd add my 2 cents :blush2:

Chase reported $0 balance after PIF mid-cycle for me (Yay :grin: )

So far BofA has not reported CLI approved a week ago. They report at statement closing first week of month. So just waiting on that.

AMEX after PIF did not update until usual statement closing.

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Is there any way to get Citi to report mid-cycle?

I have a large balance that I paid off, and I'd like to see it reported earlier than a month from now.

 

Would changing the statement date work?

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