Thank you all in advance for invaluable information. Through daily monitoring via TC, I thought I figured out when all my CCs report to CRAs. CITI or BOA will report it monthly as soon as billing cycle ends. Amex will delay it a month or two. Here what I noticed recently. I found BOA reported off their normal date when I started using it much more during holiday season. Only 2k more in this month in addition to exisiting 1k out of 9k limit. Citi never has, but Wells Fargo cc reported balance transfer three days after the transaction is complete, which was also rather unusual to me. Is this practice considered normal? Do they always do this or am I being watched closely?
I don't think there is any rationale as to why they report quicker at one point than another. At least, we've not been able to pin it down.
