DO they start reporting after your first purchase? I have had mine for 2 months. I haven't used it, and it has not reported yet. I got a Chevron card last november. I have not used it yet, and they have not reported yet. Seems like a good idea to sit on a card( crappy card) for a year, then it wouldn;t be a new CC.
Doesn't report if you don't use it. Mine's been collecting dust for the past 2 months and it hasn't updated since either ($0 balance so not like they would anyway)
LOL! I have the Target and Chevron as well and have not used it. Ive had them for about 3-4 months and they have not reported at all.
Gee I'd say you are on to something.....I may do the same thing if I ever get a new card..... Has anyone done that? Wait for 6 or more months to use a card hoping it wouldn't report til then? I know for a fact it wouldn't work with MBNA, they reported that sucker before it hit my mailbox!!!
It's not that i don't want to use the chevron card. THERE are no chevrons stations in Minnesota. I did a search on there site, and it said there was one station and it was near me. However there are none in my state. I should mail it to someone in california. Anyone want a free fill up? lol.
I waited over a year to use my Chevron card, and was able to use it without any problems. They recently gave me a CL increase from 300 to 1000, although my balance has never been over 150.
The same day I was approved for the Target card, I used it on their website to buy a $20 item, it showed up on my Credit reports within 2 weeks.
I've always used a card shortly after receiving it just incase they do a manual review and cancel. You might be able to use your Chevron's website to buy something you need. I got my Target in late April and it still doesn't show. Hopefully, they'll update when June rolls around.
Received my card in early April - used it for an online purchase- just received the first bill - paid bill. Not reporting for me yet either.
I just checked PG and it's reporting on EXP only. Hopefully, it will show on ther others soon. It seems like OC's don't report to all the CRA's at the same time. It has the balance as the limit which isn't good for utilization. I charged $29 when I got it and it shows $29 as the credit limit.
My wife and I both got the target guest card. Me for $300 and her for $200. We used it a few times and paid it off each time. Between 2-3 months of having the card we applied for a cl increase over the phone. Both times it said we were declined. However, in about 2 weeks after that we check the website and both were bumped up to $500.
Target stated it was experians fault. I sent in a letter from target to experian and experian ignored it. they are also ignoring my phone calls and refuse to dispute. As soon as my other experian lawsuit is done I am filing again. However, it has been 9 weeks now and still I have no decision.
Try and dispute it and see if that works (you're only out the $200 TL reporting if it doesn't work). If it comes back as just high balance, do an almost maxed "buy and return" just like Crapital One to fix it.
You should be safe returning it a day or so after the statement posts (with that particular purchase on it)...just keep an eye on the online statement, or you could probably wait until the statement comes in the mail assuming you don't have a previous balance on the card already (so you won't pay any interest). Almost forgot--make sure you check the return policy for the item you're planning on using! Obvious, but needs to be repeated!