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BobWang

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

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)
Dell
DCU (Last day of month)
(Discover)
Elan
(GECRB)
HSBC
Lexus
Macy's
Sam's Club
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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SF Fire CU reports mid-cycle balance sometime between the 24th and the 28th of the month.

 

It depends if there's a weekend or not. :)

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)
Dell
DCU (Last day of month)
(Discover)
Elan
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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My statement last cut on November 26th, and the CRAs updated a day or two later. I just paid off my full balance on December 12th, and it appears that Chase has updated the CRAs with my $0 balance after i made the payment. It has already posted to Experian and Equifax (Transunion is late as always).

 

Has anyone else had this happen?

 

 

I haven't had a payoff report that fast but I did notice my balance got reported mid statement, I just opened hte card though so i don't know if it's because it's new? I am waiting i already paid off the amount and havent' seen it report yet, statement cut off date is on the 18th

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase
Dell
DCU (Last day of month)
(Discover)
Elan
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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Another detail I should probably add - I purchased a relatively expensive item on Amazon ($1000) a few days before that. Easily one of the largest purchases I've put on this card since I've had it (5+ years). Does that sort of behavior trigger a reporting of the balance?

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase (May report when unusual activity detected)
Dell
DCU (Last day of month)
(Discover)
Elan

FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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Bob: I ran up my CSP to 8k/12.5k in the second month. I paid it down to $0 2 weeks before the statement closed and Chase reported $0 balance + cumulative recent payments the next day.

 

Strange... :)

Edited by pbarnes

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase (Unusual activity or $0 balance after payment)
Dell
DCU (Last day of month)
(Discover)
Elan

FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase (Unusual activity or $0 balance after payment)
Dell
DCU (Last day of month)
(Discover)
Elan

FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase (Unusual activity or $0 balance after payment)
Dell
DCU (Last day of month)
(Discover)
Elan

FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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Bob: I ran up my CSP to 8k/12.5k in the second month. I paid it down to $0 2 weeks before the statement closed and Chase reported $0 balance + cumulative recent payments the next day.

Strange... :)

Interesting tidbit,

 

I hope people are willing to GP this scenario. :D

Are you looking for reports of ANY mid-cycle updates, or just mid-cycle balance updates?

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ANY aberration to End-of-Cycle reporting,

 

I'll make notations as necessary for clarification.

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ANY aberration to End-of-Cycle reporting,

 

I'll make notations as necessary for clarification.

I thought I spotted something on one of my Citi TLs since I got my CLIs on 1/1. Let me verify when I have the time and energy to do some analysis.

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ANY aberration to End-of-Cycle reporting,

 

I'll make notations as necessary for clarification.

I thought I spotted something on one of my Citi TLs since I got my CLIs on 1/1. Let me verify when I have the time and energy to do some analysis.

Never mind.

 

CCMP does such a poor job matching up my three Citi TLs (it looks like five accounts, none of which report to all three), so that part of my report is always messy to interpret.

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ANY aberration to End-of-Cycle reporting,

 

I'll make notations as necessary for clarification.

I thought I spotted something on one of my Citi TLs since I got my CLIs on 1/1. Let me verify when I have the time and energy to do some analysis.

Never mind.

 

CCMP does such a poor job matching up my three Citi TLs (it looks like five accounts, none of which report to all three), so that part of my report is always messy to interpret.

 

I'd be STUNNED to learn of a Citi mid-cycle report.

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ANY aberration to End-of-Cycle reporting,

 

I'll make notations as necessary for clarification.

I thought I spotted something on one of my Citi TLs since I got my CLIs on 1/1. Let me verify when I have the time and energy to do some analysis.

Never mind.

 

CCMP does such a poor job matching up my three Citi TLs (it looks like five accounts, none of which report to all three), so that part of my report is always messy to interpret.

 

I'd be STUNNED to learn of a Citi mid-cycle report.

 

 

That's why I did a double-take.

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my new Sportsman's Guide (Comenity) was opened 12/8, reported on 12/18 with the balance that day. the statement closed 1/4 with 0 balance and it hasn't reported yet. I'm charging something today, so we'll see when it updates and what amount it updates with.

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase (Unusual activity or $0 balance after payment)
Dell
DCU (Last day of month)
(Discover)
Elan

FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)

Sportsman's Guide (Comenity)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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After some testing with the BOA Alaska Air card. They reported to EX and EQ a day before the statement date and TU the day after.

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Note: AmEx is often one billing cycle behind in reporting balances.

 

Cards that report mid-cycle

 

Ameriprise (Barclays)
Bank of America Alaska Air (Eq & Ex 1 day before stmt close, TU 1 day after)
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)

Chase (Unusual activity or $0 balance after payment)
Dell
DCU (Last day of month)
(Discover)
Elan

FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club

SF Fire CU (24th-28th)

Sportsman's Guide (Comenity)
UMB
US Bank
WFNB

( ) = May now be reporting statement closing balance

Reporting days of Cards (CRA, # days after)

*Barclay's (EQ 2-5, EX 2-3, TU 4-7)
Cabela's (WFB) (EQ 2-3, EX 3, TU 5)
Cap 1 (EQ 2-3, EX 2-3, TU 4-5)
Citi (EQ 2, EX 1, TU 3)
Discover (EQ 3, EX 6, TU 6)

FNBO (EQ ?, EX 1, TU 2-3)
GEMB (EQ 1-3, EX 2-3, TU 2-6)
**HSBC (EQ 2, EX 1-3, TU 4)
Merrick (EQ 1-4, EX 1, TU 2-5)
NASA Visa (EQ 16-25, EX 2-22, TU 2-92) (I conclude NASA reports at random dates)
State Farm (EQ 2, EX 4, TU 6)
UMB (TU 0)

* has reported mid-cycle instead of closing balance once
** used to report mid-cycle, now always reports closing balance


Balance Transfer Reporting Times:

Chase (BT 3-5 days)
Kohls (BT 1 day)
Target (BT 1 day)

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