I had a nonexistent, then bad, credit score because of no credit, so a couple of a years ago I got a secured card, and since then I’ve gradually worked my way up to four credit cards and a slightly ‘GOOD’ credit score.
But my most recent card, which I activated more than a month ago, doesn’t show up in my available credit / credit limit or my number of open accounts. Neither Experian nor CapitalOne CreditWise seems to be aware of it.
Also, I keep getting emails from my new card telling me to start using it. But I’ve been using it regularly for more than a month. I called the new card and they said they don’t see the emails I’m getting and they’re not sure why I’m getting them.
Does anyone have any insight or suggestions? Thanks!
Have you pulled all three credit reports?
Issuer may just be slow to report
Who is the credit card with?
AmEx infamously takes 60-90 days to report new cards. Others might be the same.
It (usually) takes 1-2 months for a new account to show up on credit reports. If you wanted to get an additional new card now would be the best time to do so.
Like others have mentioned sometimes it takes a couple of months for info to appear on your credit report, so you might just need to give it more time.
Also, did you check with your credit card company to confirm that they do report to credit? credit cards are not required to report to credit but most do. Since most of them do report to credit we just kind of expect it to happen. but double check with your card provider to be sure.
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