How Long Does It Take For a New Credit Card to Show Up On Credit Report?

If you just opened a new credit card, you might be wondering, how long will it take your new credit card to show up on your credit report? We will answer this question in much detail below.

How Long Does It Take For a New Credit Card to Show Up On Your Credit Report?

It takes anywhere from 30 to 60 days after your credit card account was opened for it to show up on your credit report. How long it takes depends on when your credit card billing cycle ends. Typically, at the end of your billing cycle, your account will be reported to the credit bureaus and will show up on your credit report shortly thereafter.

The amount of time it takes for a new credit card to show up on your credit report is dependent on your card issuer. This is so because the only way the credit bureaus will know that you’ve even opened a new credit card is from your card issuer reporting the new account to them. Every card issuer reports at a different time. That said, as soon as your card issuer reports the new account to the credit bureaus, the account will show up on your credit report.

After your account is reported on your credit report for the first time, you will notice that your card issuer will report the status of your credit card to the credit bureaus (Experian, Transunion, Equifax) on a monthly basis. If you make your payments on time, positive payment history will be reported, and if you are 30 or more days late on making your payment, a late payment notation will be added to your credit report, lowering your credit score.

Nevertheless, each card issuer updates your account status with the credit reporting bureaus according to its own schedule at different times of the month.

If for any reason your credit card account status is not reported on your credit report within 60 days of opening your credit card account, there are different reasons as to why your account did not appear on your credit report.

Let’s explore some of those reasons:

1. Technical Issue – A technical issue may be preventing your account from being shown on your credit report. For example, your credit card issuer may be providing the credit bureaus with your account status, but your credit card may not yet appear on your credit report.

2. Incorrect Personal Information – When you applied for your account, there may have been an error in your name or social security number that’s preventing the account from appearing on your credit report. So, even though your credit card issuer is reporting the account to the credit bureaus, the account may not be showing up on your credit report.

3. Participation – Your credit card issuer may not report your account status to the credit reporting bureau that you’re checking your credit report with. Some credit card issuers only report to one or two of the credit bureaus. So, try checking all three of your credit reports. That said, before reviewing all three of your credit report, contact your card issuer and ask them which of the credit reporting bureaus they report information to.

4. Different Name – Some credit card issuers partner with other bank, so although you may be expecting a certain company name, the company reporting your information to the credit bureaus could be different than the name of the business you applied for a credit card with. Oftentimes, department stores partner with card issuers for their store credit card accounts.

What Should You Do If Your New Credit Card Does Not Show Up On Your Credit Report?

If your credit card is not showing up on your credit report, try reviewing your two other credit reports. This is so because your credit card issuer may not report your account status on the credit report you’re reviewing. Hopefully, this will solve your problem.

If you reviewed all three of your credit reports, and your credit card account does not show up on any of them, contact your card issuer and verify all of your personal information with them. Verify your name, social security number, date of birth, and address to ensure that your account is properly reported on your credit report. Errors in your information could cause the account to not appear on your credit report.

If you’ve verified your information and everything looks good and your account still doesn’t show up on your credit report, it may be that your card issuer does not report the status of your account to the credit bureaus. Contact your card issuer and ask them whether they report to the credit bureaus and which bureau they report your account status to.

Your Credit Card Account Appears On Your Credit Report But You Have No Credit Score

If your credit card account appears on your credit report, but you do not yet have a credit score, this is normal if you’ve never had any loans or credit cards under your name. If you’ve opened a credit card recently and have no other credit cards or loans on your credit report, it usually takes a few months for you to even have a credit score generated for you. This is so because your credit file does not have sufficient information on which the credit bureaus can use to calculate a credit score for you. Usually, your account has to be open for at least 3 to 6 months for you to obtain a credit score. Even if you do not have a credit score, use your account responsibly, make your payments on time, and a credit score will be generated for you within a short period of time.

Frequently Asked Questions (FAQs)

1. Does opening a credit card lower your credit score?

Applying for a credit card can cause a slight and temporary drop in your credit score because whenever you apply for a credit card, a hard inquiry is placed on your credit report, slightly lowering your credit score.

2. Why is my credit card not showing up on my credit report?

Your credit card may not be showing up on your credit report for a variety of reasons. It may not be showing up because the account has not yet been reported to the credit bureaus, there may be a technical issue stopping it from appearing, there may be an error in your personal information when you applied, or your credit card issuer does not report to the credit bureau you’re checking your credit report with.

3. How long does it take for an authorized user’s credit card account to show up on their credit report?

It can take up to 30 days for an authorized user’s credit card account to show up on his or her credit report. It could take slightly longer depending on when the card issuer reports the new account to the credit bureaus.

4. What should I do if my credit card doesn’t show up on my credit report?

If your credit card does not show up on your credit report, you should contact your card issuer and verify the personal information they have on your account. Additionally, ask them about their reporting policy and which credit bureaus they report to, if any. This should help you get a better idea as to why your credit card is not appearing on your credit report.