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Old Aug 3, 2019, 11:29 am
  #218  
Lobachevsky
 
Join Date: Oct 2013
Posts: 151
Originally Posted by josephstern
I think his/her point is, if this were very valuable info, the CRAs would work with the banks to capture it and enhance their models.

BTW, on this subject, I've cycled my CL about 3x this month on a Hyatt card and, despite my last payment clearing, they won't free up my credit. I assume it'll happen when the statement cuts (or they're about to cut me). All payments have been pulls from the same bank (only bank) that has been attached for years.
Exactly. And that's how some banks limit CL cycling on credit cards--they don't free up the credit limits for a while after payments post. For some cards I have, the first payment in a month frees up the CL immediately, while subsequent payments are held for a week or so, even though the payments are from the same source.
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