American Express generally reports to credit bureaus once a month, typically a few days after your billing cycle ends or statement closing date. This means that the details of your account activity, including your balance, payments made, and any changes to credit limits, are updated approximately every 30 days. The reporting usually happens within a couple of days after the statement closing date, though if it is a brand new card, initial reporting may take a month or two. American Express reports to all three major credit bureaus—Equifax, Experian, and TransUnion—for personal accounts. Business accounts are reported to Equifax, Experian, and Dun & Bradstreet. In summary:
- Reporting occurs monthly, usually right after your statement closing date.
- It takes a couple of days after the statement date for the report to reach the credit bureaus.
- For a new card, reporting may take longer initially (up to a couple of months).
- Authorized users are also reported.
- Late payments are reported once they are 30 days past due, on the billing period closing date.
This monthly update by Amex ensures that your credit report reflects your recent credit usage around the time your monthly statement is generated.
