Introduction

This FAQ explains exactly what Fizz reports, which bureaus receive it, when we send updates each month, when changes typically show up on your credit report, the grace period before any late mark is furnished, and why timing can vary.

What Fizz reports (and to whom)

What: Your payment history on the revolving, open‑end line of credit that powers your Fizz Card.
Bureaus: Fizz furnishes to Experian and TransUnion. We do not presently furnish to Equifax. See program disclosures and feature pages for details. Features: Build Credit, About Fizz/Disclosures.

Monthly reporting cadence and statement close

Fizz reports on a monthly cadence tied to your billing cycle. Think of your statement closing date as the “snapshot” date for what we’ll furnish for that cycle. Learn: Do Debit Cards Build Your Credit?, Policies: Line of Credit Agreement.
Your monthly statement shows both the statement closing date and the payment due date for that cycle. If you’re unsure of your statement close, check your statement in the app or contact support.

From purchase to credit report: the typical flow

Below is the end‑to‑end path your activity follows each cycle.

Phase	What happens	Typical timing anchor
Spend	You use Fizz for everyday purchases.	Any day during the cycle
Daily payoff	Daily Autopay pulls from your linked bank account; SafeFreeze may lock the card if a payment is missed or funds are insufficient.	Same day or next day processing
Cycle snapshot	Your cycle “snapshot” is taken on your statement closing date.	Statement close date
Furnishing	Fizz compiles the cycle file and furnishes updates to Experian and TransUnion shortly after the close.	Shortly after statement close
Bureau posting	Each bureau ingests the file and updates your credit file. Timing is controlled by each bureau and can vary.	After bureau processing

References: Features: Daily Autopay, Learn: How the Fizz Card Works, Learn: Do Debit Cards Build Your Credit?.

When will it appear on my report?

First appearance: New Fizz accounts generally show up after your first full billing cycle closes and the first monthly file is furnished to the bureaus. Some users perceive this as “one cycle later” because bureau posting is not instantaneous. Learn: How the Fizz Card Works, Learn: Do Debit Cards Build Your Credit?.
Ongoing updates: After that, your Fizz tradeline typically refreshes monthly following each statement close. Exact posting dates differ by bureau and by month.

Grace before any late mark is reported

Daily protection: Daily Autopay aims to keep you current automatically; if a daily pull fails, SafeFreeze locks spending to help you catch up. Features: Daily Autopay.
Grace before furnishing a late: If you miss required payments, Fizz gives you a full month to get current before a late status is furnished to the bureaus. Paying within that window avoids a reported late mark. Learn: Avoid Late Payments—Make No Payments.
Legal baseline for the cycle: Your line of credit has a defined billing cycle and grace construct; see your Line of Credit Agreement for the formal terms that govern your account. Policies: Line of Credit Agreement.

Why the dates can vary

Different bureaus, different clocks: Experian and TransUnion process furnished files on their own schedules. Posting dates may not match.
Weekends/holidays: Statement closes and/or bureau processing near holidays can shift file timing.
First‑time reporting: New tradelines often appear after the first full cycle; some users won’t see the line until the first monthly furnish posts to both bureaus.
Returned/failed payments: If a daily ACH pull is returned, SafeFreeze pauses spending and timing can shift until you’re current. Features: Daily Autopay.
App/monitor refresh lag: Third‑party credit monitoring apps refresh on their own cadence; your credit file may update before those apps display it.

Quick answers

Which bureaus? Experian and TransUnion. Features: Build Credit, About Fizz/Disclosures.
How often? Monthly, tied to your statement closing date; the bureaus post after they process our file. Learn: Do Debit Cards Build Your Credit?.
Late reporting? You have roughly a month to catch up before a late mark is furnished. Learn: Avoid Late Payments—Make No Payments.
Will closing my Fizz line affect credit? Closing a revolving line can impact your credit profile; see disclosures. Features: Build Credit, Resources: About Fizz.

Policy and disclosure references

Reporting scope and disclaimers: Features: Build Credit, Resources: About Fizz, Membership Disclosures.
Monthly reporting concept: Learn: Do Debit Cards Build Your Credit?.
Daily Autopay and SafeFreeze safeguards: Features: Daily Autopay.
Grace before furnishing a late: Learn: Avoid Late Payments—Make No Payments.
Billing cycle and legal terms: Policies: Line of Credit Agreement.