Statement Date: Fill & Download for Free

Yes, I do. Yes, I am.(this is the gardening supervisor … and she increases holes to fit her own fancy)The Gorilla passes judgment on a routine basis.dinner is latewhy aren’t you sharing the snackgoing to bed on timemore variety in the dog treatsit’s been too long since the last long walk (even if it was an hour ago)why do you smell like another dogthe hole you just dug in the back yard is the right size for the dog to sit in and supervise yard work, but isn’t actually deep enough to plant anything of consequenceShe doesn’t judge me aboutreligionpoliticsanything that can cause you to be ghosted on the internetthe excess of cellulite I carryfashion statementsdated hair and makeupforgetting her birthdaydriving the scenic route to avoid traffic snags

The process you’re asking about involves an interplay between banks, credit bureaus and credit scores, and doesn’t typically lend itself to simple answers, especially if the answers are to have value for you. If I wanted to give you the short answer, I would simply say that it probably takes every day of the month to report its tens of millions of credit card accounts to the credit bureaus and to have the bureaus record that data. See what I mean? Not very valuable.Not so much in terms of what day on the calendar, but rather a date or range of dates you have access to and enough knowledge of the reporting process to be able to estimate when your latest information should appear on your credit reports and affect your credit scores each month.In the following three steps I’ll describe the credit reporting process that originates with card statement and results in your credit bureau scores:1. On or shortly after the date your monthly billing cycle is completed — the statement date — it’s processing company transmits the card balance, credit limit, payment due, seven-year payment history and other account information to each of the three major credit bureaus: Equifax, Experian and TransUnion. Or, rather than report this information as of the statement date each month, some banks use a cutoff date unrelated to the statement date to send the data about your account as of that point in time. Additionally, they may use different cutoff dates for each of the credit bureaus. As you might imagine, under this latter system, it’s very difficult for consumers to manage the balances affecting their credit scores, particularly since these banks, of which, fortunately, there are very few, don’t tend to share these reporting dates with their customers.2. According to each credit bureau’s own processing schedule, the information they receive from them is added to their massive databases of more than 200 million consumers. The credit bureaus maintain slightly different databases for different purposes, such as those used by lenders making new account credit decisions, banks using credit data to manage their existing accounts and consumers accessing their own credit reports and scores. These different systems within a single credit bureau are not always fully updated and in sync with each other as of the same day.3. Since each credit bureau independently adds your monthly information to its databases according to its own multiple processing schedules, your credit scores across each of the credit bureaus are likely to be impacted by this information on different dates each month, and in some cases, depending on the purpose of the score pull, on different dates within the same credit bureau.For all of these reasons, and more, the best general advice you can ever get when it comes to managing your credit is to avoid worrying about how every dollar is impacting your credit scores at every point in time, as scores are like moving targets that are tough to micromanage. Instead, you can ensure you’re maximizing your score at all times, and at all credit bureaus, by making sure that for each card:

Increasing the due date of your credit cardThis is the trick i used to increase payment due date of my credit card. As I had 10000 rs of payment due on my card, and the due date was after 15 days and i hadn't had enough money to pay the bill .So after the statement date, i ordered a phone of rs 10000 using the same credit card and canceled the order after 15 minutes, so they credited 10000 rs in my card. Now with this 10000 credit transaction my due amount was paid and the 10000 debit transaction which i made to buy the phone came in next statement for which due date was next month.There is one more trick you can use using oxygen wallet. if you have some due amount in your credit card and you don't have enough money to pay right now.After the statement date of your credit card recharge your oxygen wallet with the amount same as your due amount with the same credit card. Now with Oxygen wallet you can pay your credit card bill and don't worry about the debit transaction you made to recharge the oxygen wallet because you made that transaction after the statement date so it will come in next statement.