Bank NameReportsBack Dates
Amex✅❌
Barclay✅✅
Bank of America✅✅
ChaseSometimes✅
Citi✅✅
Capital One✅✅
Discover✅✅
HSBC❌❌
US Bank✅✅
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FeatureCharge-OffCollection
TimingAfter 180 days of non-paymentAfter lender hands debt to collection agency
Lender ActionWrites off debt as a lossAttempts to recover debt through third party
Credit ImpactMore damaging due to unresolved statusDamaging but slightly less severe
Debt ObligationYou still owe the debtYou still owe the debt
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LoungeAccessGuestsHow to Access
Priority PassFree with enrollment2 free guestsEnroll in Priority Pass. Use the app for entry.
Delta Sky ClubFree with Delta flightNo free guestsShow your card and Delta boarding pass.
Amex CenturionFree2 free guests (starting Feb 2023)Show your card and boarding pass.
Global Lounge CollectionFreeVaries by loungeShow your card and boarding pass.
Escape LoungesFree2 guests or immediate familyShow your card and boarding pass.
Plaza PremiumFree2 free guestsShow your card and boarding pass.
BankMinimum Payment Calculation
American Express PersonalThe greater of these: $40, 2% of the balance excluding interest and fees*, 1% of your balance plus interest and fees*
American Express BusinessThe greater of these: $35, For a balance of $0-$25,000: 1% of the balance plus monthly interest and fees*, For a balance of $25,000-$75,000: 5% of the balance plus monthly interest and fees*, For a balance over $75,000: 10% of the balance plus monthly interest and fees*
Bank Of AmericaThe greater of these: $25, or 1% of the full balance plus the monthly interest and fees
Barclay BankThe greater of these: $27, or 1% of the full balance plus the monthly interest and fees
Capital OneThe greater of these: $25, or 1% of the full balance plus the monthly interest and fees
ChaseThe greater of these: $25, or 1% of the full balance plus the monthly interest and fees
CitiThe greater of these: $25 or 1% of the full balance plus the monthly interest and fees, or 1.5% of the full balance
DiscoverThe greater of these: $35, or 2% of the full balance or $20 plus the monthly interest and fees
SantanderThe greater of these: $25, or 1% of the full balance plus the monthly interest and fees
SynchronyThe greater of these: $25, or $35 if you had any late payments within the last six months, or 1% of your full balance plus the monthly interest and fees
Us BankThe greater of these: $30, or 1% of your full balance plus the monthly interest and fees
Wells FargoThe greater of these: $15, or 1% of the full balance plus the monthly interest and fees
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RATIOTRANSFER PARTNERTRANSFER TIMEENDSTYPE
1:1Aeroplan Loyalty ProgramInstantJuly 31, 2024Airlines
1:1Air France-KLM Flying BlueInstantAirlines
1:1AviosInstantAirlines
1:1Emirates SkywardsInstantAirlines
1:1IHG One Rewards1 DayHotels
1:1JetBlue TrueBlue Rewards ProgramInstantAirlines
1:1Marriott Bonvoy2 DaysHotels
1:1Singapore Airlines KrisFlyer12-24 HoursAirlines
1:1Southwest Rapid RewardsInstantAirlines
1:1United MileagePlusInstantAirlines
1:1Virgin Atlantic FlyingClubInstantAirlines
1:1World of Hyatt Loyalty ProgramInstantHotels
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BankCredit BureauNotes
AmexExperianFor existing Amex cardholders, Amex does not pull your credit for new credit card applications.
AviancaTransUnion
Apple CardTransUnionThey will first only do a soft pull to check if you qualify. If you qualify and accept the offer, then they do a hard pull. Some have had success avoiding the hard pull by freezing TransUnion after the preapproval but before the final decision.
BarclaysTransUnion
Bank of AmericaExperianIf you freeze your Experian report, they will pull your TransUnion credit report.
Capital OneExperian, Transunion, EquifaxIf you freeze one credit bureau, you can still get approved (the credit bureau you freeze cannot be TransUnion).
ChaseExperian
CitiExperian/EquifaxCiti will usually pull your Experian credit report, sometimes Equifax, and sometimes both Experian and Equifax. If you freeze your Experian credit report, you can sometimes request the reconsideration department to pull your Equifax credit report.
CitizensEquifax
DiscoverExperian/EquifaxDiscover will usually pull your Experian credit report, sometimes Equifax. If you freeze your Experian credit report, Discover will be glad to pull from either TransUnion or Equifax. Chat with a rep after submitting the application.
Elan FinancialExperian
HSBCEquifax
Key BankEquifax
SynchronyTransUnion
TD BankExperian
US BankExperianIf you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card.
Wells FargoExperian/EquifaxIn some states, they pull Experian and Equifax.
OrderCredit CardBankCredit BureauNotes
1Chase SapphireChaseExperianChase is very sensitive to recent inquiries.
2Citi PremierCitiExperian/EquifaxCiti is also sensitive, but you can sometimes request to pull Equifax if Experian is frozen.
3Amex GoldAmexExperianAmex is less sensitive, and they don't pull credit for existing cardholders.
4Barclays ArrivalBarclaysTransUnionLess sensitive, but be mindful of one or two recent inquiries.
Bank NameReportsBack Dates
Amex✅❌
Barclay✅✅
Bank of America✅✅
ChaseSometimes✅
Citi✅✅
Capital One✅✅
Discover✅✅
HSBC❌❌
US Bank✅✅
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BankReports Business Cards?
AmexNo
Bank Of AmericaNo
BarclaysNo, Barclays business cards generally don’t report
Capital OneYes, except the Capital One Spark Cash Plus and Capital One Venture X Business
CitiNo
ChaseNo
DiscoverYes
M&T BankNo
US BankNo
TD BankYes
Wells FargoNo
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IssuerDun & BradstreetSmall Business Financial Exchange (SBFE)Experian BusinessEquifax Business
AmexConflicting data pointsYesNoNo
Bank of AmericaNoYesNoNo
BarclaysNoNoNoNo
Capital OneYesYesYesConflicting data points
CitiYesYesYesYes
ChaseYesYesYesConflicting data points
DiscoverYesNoYesYes
US BankYesNoNoYes
Wells FargoNoYesNoNo
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Minimum Age
Amex13 years old
Barclay13 years old
Bank of AmericaNo minimum age
ChaseNo minimum age
CitiNo minimum age
Capital OneNo minimum age
Discover15 years old
US Bank16 years old
Wells FargoNo minimum age
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RatingCredit Score RangeDescription
Poor<580This credit score is well below the average score of U.S. consumers and demonstrates to lenders that the borrower may be a risk.
Fair580-669This credit score is below the average score of U.S. consumers, though many lenders will approve loans with this score.
Good670-739This credit score is near or slightly above the average of U.S. consumers and most lenders consider this a good score.
Very Good740-799This credit score is above the average of U.S. consumers and demonstrates to lenders that the borrower is very dependable.
Exceptional800+This credit score is well above the average score of U.S. consumers and clearly demonstrates to lenders that the borrower is an exceptionally low risk.
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Very PoorPoorAverageGoodVery GoodExcellent
579619679719779800+
578618678718778799
577617677717777798
576616676716776797
575615675715775796
574614674714774795
573613673713773794
572612672712772793
571611671711771792
570610670710770791
569609669709769790
568608668708768789
567607667707767788
566606666706766787
565605665705765786
564604664704764785
563603663703763784
562602662702762783
561601661701761782
560600660700760781
559599659699759780
558598658698758
557597657697757
556596656696756
555595655695755
554594654694754
553593653693753
552592652692752
551591651691751
550590650690750
549589649689749
548588648688748
547587647687747
546586646686746
545585645685745
544584644684744
541583643683743
540582642682742
539581641681741
538580640680740
537639739
536638738
535637737
534636736
533635735
532634734
531633733
530632732
529631731
528630730
527629729
526628728
525627727
524626726
523625725
522624724
521623723
520622722
519621721
518620720
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