The Blue Cash Everyday® Card from American Express reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. Amex Blue Cash Everyday reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. American Express may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.
Once Amex Blue Cash Everyday reports your account information to a credit bureau, it may take a few days before the updates appear on your credit report. New Amex Blue Cash Everyday cardholders may not see any new credit account info on their credit report for one or two billing periods after getting a card.
American Express reports to credit bureaus once per month, typically updating Experian, Equifax, and TransUnion within 5 days of a card’s billing cycle ending. Since Amex billing cycles are usually based on the opening date of cardholders’ accounts, there is no set day on which American Express reports to credit bureaus.
For example, if someone opened an Amex credit card account on the 21st of October, then the end of the first billing cycle...
American Express approval odds are best for people with at least good credit (700+). Cardholders should also have enough annual income to pay the card’s annual fee (if there is one) and the entire balance in full, when applicable. Minimal debt and steady employment are also important.
Before applying for an American Express card, consider checking for pre-qualification, to get a better sense of your approval odds. You can check if you’re pre-qualified online or over...
In order to report to the credit bureaus, a business must first qualify as a data furnisher. Depending on the credit bureau, the business may need a minimum number of customer accounts in order to achieve data furnisher status. For example, TransUnion requires a business to have at least 100 customer accounts. So, a local credit union, for instance, would need at least 100 customers with credit accounts to become a data furnisher with TransUnion.
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