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Chase reports to the credit bureaus immediately after you pay your card balances to 0. If you decide to carry a balance, their reporting is completely different. They will report your statement balance 3-4 days after the statement closing date.
Chase reports to all three credit bureaus (Experian, TransUnion, Equifax) immediately after paying your card balance down to zero. If you keep a balance, Chase reports your state 3-4 days after the closing date.
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