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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
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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I believe we just got a mid cycle reporting from Chase (Freedom if it matters.)

 

We WANTED a balance to report so did a PIF after reporting but before due date. The approximate $200 balance reported for only 5 days and now it's back to 0 on all 3 reports.

 

Guess this is not the card to use to get a small balance to report on 1 card for maximizing FICO.

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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
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)

Chase Freedom
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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Sorry, I thought I read all the pages but somehow missed that the Chase issue has already been reported.

 

I will add that we did NOT have any unusual activity. This is our daily card for groceries, gas, etc. we make a number of payments every month and always PIF. No big purchases this month all though large hotel bills are not unusual as I use this for business travel too. We run a few grand through this card every month. This was probably a slow month.

 

Unless the unusual activity was letting it report a balance...

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New Chase Freedom reported after first statement closed (2/10) - I received alerts from Exp on the 13th, EQ on the 15th, and TU on the 17th. All reported the statement balance as the current balance. I just made a couple of large purchases after paying it off, so we'll see if they mid-cycle me for "unusual behavior!"

 

New AmEx (2nd Statement closed 2/17) reported sometime between the 15th and 19th of Feb (I'm guessing the 19th since I haven't gotten a new account alert yet). Reported to EX and EQ, not TU yet. Shows 1st statement balance as "high balance," current statement balance as "Balance" and no Limit (it's a Green card). I ran it up to about $2K, then paid down to $80 just prior to statement closing, so I'll check next month and see if it has a new "high balance."

 

I've never paid attention so my SDFCU card and secured loan - I'll keep an eye on them. My CC statement closes tomorrow, so I'll know shortly if that's when they report.

 

Discover - first cycle just closed a day or 2 ago - no reporting yet, will keep an eye out.

 

DCU Visa & car loan - brand new, not reporting yet - will update as available.

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New Chase Freedom reported after first statement closed (2/10) - I received alerts from Exp on the 13th, EQ on the 15th, and TU on the 17th. All reported the statement balance as the current balance. I just made a couple of large purchases after paying it off, so we'll see if they mid-cycle me for "unusual behavior!"

 

New AmEx (2nd Statement closed 2/17) reported sometime between the 15th and 19th of Feb (I'm guessing the 19th since I haven't gotten a new account alert yet). Reported to EX and EQ, not TU yet. Shows 1st statement balance as "high balance," current statement balance as "Balance" and no Limit (it's a Green card). I ran it up to about $2K, then paid down to $80 just prior to statement closing, so I'll check next month and see if it has a new "high balance."

 

I've never paid attention so my SDFCU card and secured loan - I'll keep an eye on them. My CC statement closes tomorrow, so I'll know shortly if that's when they report.

 

Discover - first cycle just closed a day or 2 ago - no reporting yet, will keep an eye out. Oops - guess I wasn't reading closely enough! Discover is reporting on EQ and EX right after statement close. Bal/High Bal is statement balance.

 

DCU Visa & car loan - brand new, not reporting yet - will update as available.

 

I created a spreadsheet for all 3 CBs showing the pull date, and then balance and high balance reported for each account. Interesting things I'm noticing:

  • My secured loan isn't reporting high balance on EX, but is on EQ and TU
  • High balances aren't reporting on EQ for credit cards, but is for installment loan

One more card - Commenity/Buckle seems to report mid-statement.

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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
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)

Chase Freedom

Comenity Bank Buckle
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)

Chase (EQ 5, EX 3, TU 7)
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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just wanted to confirm BofA. had -$3 balance on statement, put a couple of big purchases on the card and BAM, they update before the next statement closes. bastards.

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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

Discover

Elan

GEMB

HSBC

Lexus

Macy's

Sam's Club

UMB

US Bank

WFNB

 

 

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

Trying to figure out how to play a shell game with this, to get my utilization down. As I understand it, mid-cycle would be about a week or so after the due date. So if one pays in full by the due date, and then restrains from using the card until mid-cycle, their balance would report as zero. Then between mid-cycle and the due date, use the card. Rinse and repeat. Am I missing something here? I have the income to do this, but have been remiss with timing the reporting dates apparently.

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Not sure if it's been mentioned before, or if it has I'll confirm again: BofA/FIA will report the new limits (complete w/balances) within one day of a reallocation of limits. Sigh.

Edited by TrevorHere

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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 (Large charge, lost card, CL re-aalocation)
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)

Chase Freedom

Comenity Bank Buckle
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)

Chase (EQ 5, EX 3, TU 7)
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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Does this count? I applied for Barclays and was approved on Tues. 3/19. It's already been reported to all 3 CRAs (with the balance and etc, normal reporting) but I haven't even received the card yet.

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Barclays is already on the list of mid-cycle reporters.

 

but reporting immediately upon open doesn't mean mid-cycle.

 

some do that that aren't mid-cycle reporters.

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I've never experienced Barclay reporting any time outside of the normal 1-2 days after statement close date

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I don't track this much any more, but here are two more for the list:

 

Delta CCU (EQ 1, EX 2, TU 3)
PenFed (EX 2, TU 3) [but 1card of 2 NEVER reports to TU]

 

Any time I've left out a CRA (for example, I left out EQ under PenFed) that should be read as "no data." It does NOT mean the issuer doesn't report.

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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 (Large charge, lost card, CL re-aalocation)
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)

Chase Freedom

Comenity Bank Buckle
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


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)

Chase (EQ 5, EX 3, TU 7)
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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Anyone know for sure if FIA Amex and BOA have fully integrated reporting systems..or does FIA kinda do their own thing?

I'm asking because I read you can get new reporting to the bureaus by updating your address/phone number on your online profile. Wondering if it still works for BOA..and if it would work for FIA.

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I can GP it at FIA.

They just reported mid-cycle for me, when they gave me a CLI. Had I known, I would have PIF'd before requesting the CLI. Now I've got a small balance reporting. Bummer.

 

They usually report at statement close which, for me, is late in the month. I'll PIF them now and then "change" my address. Would love to get them back to zero ASAP.

 

 

eta: just noticed you said FIA Amex .. mine, sadly, is FIA Fidelity, but not Amex.

Still ....

Edited by Platystemon

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I can GP it at FIA.

They just reported mid-cycle for me, when they gave me a CLI. Had I known, I would have PIF'd before requesting the CLI. Now I've got a small balance reporting. Bummer.

 

They usually report at statement close which, for me, is late in the month. I'll PIF them now and then "change" my address. Would love to get them back to zero ASAP.

 

 

eta: just noticed you said FIA Amex .. mine, sadly, is FIA Fidelity, but not Amex.

Still ....

 

Its the same difference.

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Anyone know for sure if FIA Amex and BOA have fully integrated reporting systems..or does FIA kinda do their own thing?

I'm asking because I read you can get new reporting to the bureaus by updating your address/phone number on your online profile. Wondering if it still works for BOA..and if it would work for FIA.

 

Interesting. I just missed the cutoff for paying my B of A card to $0 before the statement cycle ended... yesterday! DOH!

 

Maybe I can still pay it to $0, wait a couple of days, and then change the address to our other one... Maybe that would kill two birds with one stone.. I still can't get Equifax to add our new address to my file. Maybe a FOURTH card reporting the same address is the tipping point. #%^%^$%^

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