Chase Freedom reports to the credit bureaus monthly, usually a few days after the end of a cardholder’s monthly billing cycle. Chase will report the Freedom card’s credit limit, balance, payment history, account status and more to all three major credit bureaus: TransUnion, Equifax and Experian.
If you are late on your Chase Freedom payment, Chase will not immediately report that payment as late to the credit bureaus. They will only tell the bureaus you are late if the payment is at least 30 days past-due. However, even if you pay within that timeframe and don’t get marked as late by the bureaus, you’ll still have to pay a late fee. You’ll also lose the card’s grace period if you don’t pay in full by the due date, which means new purchases will start accruing interest immediately after you make them. You will need to pay your balance on time and in full for two consecutive months to get the grace period back.
If you’d like to see your most up-to-date credit report, you can view daily updates to your TransUnion report for free on WalletHub. That way, you’ll be able to check every day to see if there’s any new information from Chase on your report.
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