This article looks at when your credit card report is provided to your credit bureau. The information then reflects on your credit rating.

The American dream isn’t as lucrative as how we envision it.

We have tons of credit and debt behind the smiling faces, the mortgaged home, the chicken in the pot, and the car in the garage.

You might already know this, but the American financial infrastructure heavily depends on credit and debt.

Credit cards are an important part of this structure and allow consumers within the market to buy and finance purchases they would otherwise be unable to pay for.

Credit enables you to get a loan for your car, your home, and other expenses you have planned, even if you don’t have cash on you at the time.

So, in this credit-based economy, where credit dictates everything around us, you will find it hard to meet your daily lifestyle or finance your next purchases if you cannot maintain a strong credit rating.

Your credit score determines your ability to pay back debt, which is exactly what gives lenders and other sellers the ability to trust you.

Credit bureaus maintain your credit rating, approving and maintaining reports from your credit cards and other lenders.

This article looks at when your credit card report is provided to your credit bureau. The information then reflects on your credit rating. Stay with us to find out more.

When Do Credit Cards Report to Credit Bureaus?

Equifax, TransUnion, and Experian are the major credit bureaus in the USA. All three of these bureaus rank your credit score in a tally that ranges from 300 points to 850 points.

Your credit reports are sent to the three major credit bureaus at the end of your billing cycle. A typical billing cycle goes from 28 to 31 days. Your lenders can contact the bureau outside of your billing cycle when needed.

How Long Does It Take for a New Card to Show Up?

Your new credit card will not show up in your account immediately. The new card will probably show up in around 30 to 60 days.

The exact time frame is based on your billing period and the specific dates. You can contact your credit bureau and devise a remediation plan if the card doesn’t show in your credit report.

How Are Credit Scores Calculated?

If you are looking for a loan option for your business, the lenders would preferably want a credit rating of upwards of 670 points.

There is no reason why the barrier is placed at 670 points, but we know that most businesses consider anything more than that a good score.

Each business credit bureau we have mentioned above relies on different models for computing credit scores.

Creditors and lenders can choose to go to a credit bureau. This suggests that you can score differently on all three credit bureaus.

The credit score for Equifax can be different from your credit score at Experian, implying that all of these credit bureaus have their reporting patterns to follow.

While there might be some diversity, experts believe your scores would be within the same range for all credit bureaus.

There’s also a gold standard for what credit bureaus follow or consider for deciding the credit rating.

A typical credit score includes fixed percentages of the following:

  • 35% of the credit score is based on the payment history you have shown while paying back loans, credit cards, and other debts.
  • 30% of the credit score is based on how you use your credit. Do you use it in full or not?
  • 15% of the credit history is based on how long you’ve been dealing with credit. If you’ve been dealing with credit for a short period, your credit score might not be that lucrative.
  • 10% of your credit score will depend on how active you are with your credit. Do you apply for new loans or not?
  • 10% of your credit history is based on the diversity of the credit you opt for. Is the credit you opt for diverse enough, fixated on certain heads?

As you can see through the list above, your credit score is computed through different means.

While payment history is the biggest determinant of your credit score, other factors include the length of your credit and the level of your activity.

In short, your credit score is dictated by how willing you have been to get credit funding in the past few years and how you have been with repaying these loans.

You should have records for financing during your history and the relevant form to pay back loans within the required payment schedule.

Improving Your Personal Credit Rating

Your credit rating is testimony to your worthiness as a credit borrower. Follow the tips below for improving your credit score:

Keep Unused Credit Cards Open

You might be tempted to close a credit card or a credit account if you haven’t used it. The burden of carrying a card and paying the fees if you aren’t using it does not sound economically viable, so you must be tempted to close the card.

However, we don’t believe this is a good step for your credit rating. Your credit rating is calculated through many factors, including how much credit you utilize.

To put it right, credit usage plays an important role in deciding the figure for your score. Almost 1/3rd of your credit score is dependent on your utilization ratio. You should utilize at most 15% of the credit available to you, nothing more, nothing less.

By canceling unused credit cards, you reduce your credit usage ratio with your own hands.

You need to realize that your credit usage ratio is one of your best chances of improving your credit score, and you’re doing no good to yourself by reducing credit limits or credit cards.

The more credit cards and limits you have, the better your chances are.

Be a Good Tenant

As an individual, the monthly rent you pay could be your biggest expense during the month. If you regularly pay your rent on time, you can improve your credit score in the long run.

Most buildings and apartments owned by management companies report the monthly rent payment to major credit bureaus.

If you’re good luck, your management company could also report the monthly rent payment to your credit agency. If the price is written, this is your chance to improve your credit score and make rent payments quickly.

When sent to the relevant credit reporting bureau, the record would help improve your credit score.

Additionally, if your tenant keeps this record, you must make sure you pay the payments on time.

Failure to comply with the payment schedule will mean that your tenant will record the payments in the bureau, decreasing your credit score.

Become Authorized User on Someone Else’s Card

Now, we’re letting you into a massive trade secret, which isn’t yet followed by many for improving their credit score.

You can build your credit score perfectly by becoming an authorized user on someone else’s card.

You can talk to friends and family about this opportunity and can share their cards to become authorized users on their cards.

Your credit scores will get intertwined together by becoming an authorized user on someone else’s card.

Hence, if you have a slightly poor credit score, it will get entangled with that of another person and will improve significantly.

This can help you improve your credit score on an almost immediate basis. You can take short-term advantage of a friend or family’s credit history to improve your score.

Return Library Books

You might not have thought this out before, but overdue library books could bog down your credit score.

With outstanding library books, you don’t consider them that big a deal. You do have to return a couple of books to the local library, but who cares.

If the book you took is in high demand or if you have taken multiple books without returning them, then your local library has the luxury of reporting you to a credit bureau for overdue items.

This will negatively impact your credit history, and your record will show the slightest neglect.

Also, if you’re a recent grad, ensure you return all books and other copies to the library to avoid fines and a bad review of your credit history.

Be Careful with Store Credit Cards

Many department stores are notorious for selling you credit cards you might not need. These departmental credit cards can only work in specific stores but as actual credit cards.

If you happen to have any balance on these credit cards, you need to make sure that you get it addressed. The store card is just like any other credit card, so you shouldn’t ignore the balance on it.

Ask for Late Payment Forgiveness

If you’ve been associated with a lender or a tenant for a long time and have made on-time payments, you can cash on your good rapport to ask them for forgiveness if you’re making one late payment.

They can waive your late fees or ensure they don’t report the late payment to a credit bureau. But, for this forgiveness, you must have maintained a good rapport with the lender before this one late payment.


Your credit score is important to you personally and your business. With the tips above, you can better equip yourself to make the changes required from your end.

Knowing when credit cards report to credit bureaus can also help increase your awareness of the subject matter.

About the author

Chris Muller picture
Total Articles: 285
Chris has an MBA with a focus in advanced investments and has been writing about all things personal finance since 2015. He’s also built and run a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016. You can connect with Chris on Twitter.