 TITLE: Why a New Credit Card May Not Show on a Credit Report CONTENT: How Long Does It Take for a New Credit Card to Show on a Credit Report?\n-----------------------------------------------------------------------\nLet's say you found the perfect credit card. You submitted an application online and were instantly approved. When the card arrives about a week later, you follow the activation instructions and make a few charges. With all that activity, the account should be appearing on your credit reports by that point, right? Not necessarily.\nIt's up to the credit card company to send information about the account to the three major credit reporting bureaus: Experian, TransUnion and Equifax. When the bureaus receive account information, they will begin to include it in your credit reports. Each month thereafter, the credit card company will update the bureaus with the most recent information about your balance and payment activity.\nBut this process can take time at first. Each credit card company sets its own due dates and payment cycles, and updates the bureaus at different times of the month. That includes when it first notifies the bureaus that you've been issued a new credit card.\nDepending on the credit card company, you can expect the credit card to appear on your credit report 30 to 60 days after the date it was granted, depending on when the card's billing cycle ends. You may have to contact your credit card issuer to learn your billing cycle's end date. END