¿Qué son las inyecciones de crédito?

Hispanicfactor¿Qué son las inyecciones de crédito?

Las inyecciones de crédito se efectúan al momento de agregar al cliente como usuario autorizado de una cuenta de crédito con buen historial de pago, lo cual le permite ” transferir ” a su propio historial una cuenta con buena reputación. Esto es posible porque los acreedores proporcionarán a las compañías de crédito todo el historial de la cuenta de crédito, que recibe el usuario autorizado. FICO® digiere este crédito recién agregado y recalcula su puntaje con mejoras drásticas.

El banco emisor informa el historial de crédito positivo, incluida la antigüedad de la cuenta, el límite de la línea comercial y el historial de pago positivo a Experian, TransUnion y / o Equifax.

Bank Name Card ID Credit Limit Date Opened Purchase By Date Reporting Date Stock Price
Discover 11761 16,500 2015 Jun Jul 10th Jul 21st - Jul 28th 2 $850
Chase 11760 16,000 2017 Jun Jul 13th Jul 24th - Jul 31st 2 $712.50
Capital One 11750 6,500 2015 Nov Jul 13th Jul 24th - Jul 31st 2 $657.50
Barclays 11749 10,000 2014 Sep Jul 25th Aug 5th - Aug 12th 2 $822.50
Capital One 11739 13,000 2008 Aug Jul 28th Aug 8th - Aug 15th 2 $1015
Chase 2108 20,000 2015 Nov Jul 17th Jul 28th - Aug 4th 1 $960
Barclays 1165 40,000 2019 Aug Jul 24th Aug 4th - Aug 11th 6 $1015
Capital One 11727 3,400 2015 Jul Jul 26th Aug 6th - Aug 13th 2 $630
Elan 11707 10,000 2017 Nov Jul 18th Jul 29th - Aug 5th 2 $657.50
Capital One 11705 10,000 2017 Nov Jul 22nd Aug 2nd - Aug 9th 2 $657.50
Chase 11695 33,000 2015 May Aug 5th Aug 16th - Aug 23rd 2 $1125
Discover 8762 12,500 2013 Mar Jul 29th Aug 10th - Aug 17th 1 $905
Chase 11620 24,100 2019 Apr Jul 13th Jul 24th - Jul 31st 1 $685
Barclays 11610 20,150 2012 Dec Jul 27th Aug 7th - Aug 14th 5 $1015
Barclays 11609 10,600 2014 Dec Jul 29th Aug 9th - Aug 16th 4 $795
Barclays 11586 14,200 2014 May Jul 27th Aug 7th - Aug 14th 5 $822.50
Barclays 11576 13,000 2013 Nov Jul 24th Aug 4th - Aug 11th 1 $822.50
Barclays 11556 30,000 2015 Jan Aug 1st Aug 12th - Aug 19th 4 $1125
Discover 11546 9,000 2014 Jul Jul 26th Aug 6th - Aug 13th 1 $795
Capital One 11544 9,150 2008 Nov Jul 25th Aug 5th - Aug 12th 1 $932.50
Barclays 8043 12,000 2014 Jan Jul 29th Aug 9th - Aug 16th 2 $822.50
Barclays 11328 15,000 2014 May Jul 26th Aug 6th - Aug 13th 1 $877.50
Capital One 11023 33,000 2015 Mar Jul 14th Jul 25th - Aug 1st 1 $1125
Barclays 10947 20,000 2018 Mar Aug 6th Aug 17th - Aug 24th 1 $767.50
Capital One 1502 20,000 2018 Apr Aug 2nd Aug 13th - Aug 20th 1 $767.50
Bank Of America 8934 15,000 2010 Apr Aug 3rd Aug 14th - Aug 21st 1 $1070
Chase 10431 19,800 2011 Jul Jul 29th Aug 9th - Aug 16th 1 $1070
Chase 10417 40,000 2014 Sep Aug 3rd Aug 14th - Aug 21st 1 $1235
Discover 10397 25,300 2008 Jun Jul 26th Aug 6th - Aug 13th 2 $1290
Capital One 10382 17,150 2015 Apr Aug 6th Aug 17th - Aug 24th 1 $850
Chase 10338 20,795 2007 May Jul 16th Jul 27th - Aug 3rd 1 $1180
Chase 10337 30,000 2011 Jan Jul 22nd Aug 2nd - Aug 9th 1 $1345
Barclays 10249 42,000 2016 Jul Jul 29th Aug 9th - Aug 16th 1 $1125
Discover 10219 15,000 2007 May Jul 26th Aug 6th - Aug 13th 1 $1070
Chase 10176 8,900 2014 Apr Jul 16th Jul 27th - Aug 3rd 1 $795
Chase 3819 12,500 2018 Feb Jul 24th Aug 4th - Aug 11th 1 $657.50
Chase 10019 15,700 2018 Jan Aug 8th Aug 19th - Aug 26th 1 $685
Chase 9950 45,400 2006 Sep Jul 15th Jul 26th - Aug 2nd 1 $1675
Barclays 3170 40,000 2019 Sep Jul 14th Jul 25th - Aug 1st 1 $850
Elan 9884 10,000 2011 Jan Jul 17th Jul 28th - Aug 4th 1 $960
Capital One 9804 9,500 2009 Dec Jul 26th Aug 6th - Aug 13th 1 $932.50
Barclays 9612 5,000 2018 Jan Aug 1st Aug 12th - Aug 19th 1 $602.50
Chase 9573 11,700 2013 Apr Aug 8th Aug 19th - Aug 26th 1 $905
Discover 9532 18,300 2010 Jan Jul 22nd Aug 2nd - Aug 9th 1 $1070
Bank Of America 3643 10,000 2018 Feb Aug 6th Aug 17th - Aug 24th 1 $657.50
Barclays 9267 15,000 2017 Jun Aug 1st Aug 12th - Aug 19th 1 $685
Barclays 9211 10,700 2014 Feb Aug 2nd Aug 13th - Aug 20th 2 $822.50
Barclays 2557 30,000 2019 May Jul 25th Aug 5th - Aug 12th 1 $767.50
Barclays 9165 20,000 2018 Jan Aug 5th Aug 16th - Aug 23rd 1 $822.50
Barclays 9009 45,700 2013 Jan Aug 6th Aug 17th - Aug 24th 1 $1262.50
Barclays 8849 10,000 2015 Feb Aug 7th Aug 18th - Aug 25th 1 $795
Discover 8834 10,000 2005 Dec Jul 29th Aug 10th - Aug 17th 1 $1070
Discover 8105 11,500 2008 Jun Jul 26th Aug 6th - Aug 13th 1 $932.50
Discover 8569 7,900 2009 Nov Aug 6th Aug 17th - Aug 24th 1 $932.50
Capital One 8725 11,700 2006 May Jul 29th Aug 9th - Aug 16th 2 $1015
Bank Of America 8497 21,000 2014 Mar Jul 28th Aug 8th - Aug 15th 1 $987.50
Chase 8475 12,000 2013 Jun Jul 28th Aug 8th - Aug 15th 1 $822.50
Capital One 8453 10,000 2007 Jan Jul 25th Aug 5th - Aug 12th 1 $1015
Barclays 3616 12,500 2007 Sep Jul 24th Aug 4th - Aug 11th 1 $1042.50
Barclays 8356 20,000 2015 Feb Jul 30th Aug 11th - Aug 18th 1 $877.50
Barclays 8335 11,400 2013 Oct Aug 8th Aug 19th - Aug 26th 1 $822.50
Bank of America 6840 7,000 2017 Oct Aug 3rd Aug 14th - Aug 21st 1 $905
Elan 3011 30,000 2014 Aug Jul 19th Jul 30th - Aug 6th 1 $1125
Chase 8183 24,000 2016 Mar Aug 2nd Aug 13th - Aug 20th 1 $822.50
Chase 5030 12,000 2009 Dec Jul 24th Aug 4th - Aug 11th 1 $1015
Chase 3932 16,000 2017 Aug Aug 3rd Aug 14th - Aug 21st 1 $685
Discover 7884 13,000 2010 Feb Aug 7th Aug 18th - Aug 25th 1 $1015
Elan 7453 20,000 2011 Jul Jul 20th Jul 31st - Aug 7th 1 $1070
Chase 7385 7,000 2008 Apr Jul 27th Aug 7th - Aug 14th 2 $905
Capital One 7328 7,500 2009 Aug Jul 24th Aug 4th - Aug 11th 1 $932.50
Capital One 7063 17,000 2012 May Jul 24th Aug 4th - Aug 11th 1 $960
Barclays 6831 10,900 2007 Apr Jul 27th Aug 7th - Aug 14th 1 $1015
Barclays 6758 11,000 2014 Dec Aug 5th Aug 16th - Aug 23rd 2 $795
Chase 6593 7,500 2014 Sep Jul 25th Aug 5th - Aug 12th 1 $795
Chase 6437 31,400 2014 Oct Aug 4th Aug 15th - Aug 22nd 1 $1125
Barclays 6348 10,300 2013 Sep Jul 25th Aug 5th - Aug 12th 2 $877.50
Chase 3402 10,700 2007 Sep Jul 22nd Aug 2nd - Aug 9th 2 $1070
Capital One 6226 7,250 2012 Jun Jul 27th Aug 7th - Aug 14th 1 $850
Barclays 6204 10,000 2008 Jan Jul 24th Aug 4th - Aug 11th 2 $1015
Barclays 4081 12,000 2010 Jun Jul 30th Aug 11th - Aug 18th 1 $960
Chase 4041 19,800 2008 Sep Aug 2nd Aug 13th - Aug 20th 1 $1070
Elan 3954 20,000 2017 Mar Jul 21st Aug 1st - Aug 8th 2 $822.50
Barclays 3930 21,000 2017 Jun Aug 6th Aug 17th - Aug 24th 1 $734.50
Bank Of America 3563 40,000 2016 Dec Aug 6th Aug 17th - Aug 24th 1 $1125
Barclays 1164 40,000 2018 Aug Jul 25th Aug 5th - Aug 12th 4 $1015
Barclays 3218 10,000 2014 Dec Jul 30th Aug 11th - Aug 18th 2 $795
Barclays 3045 30,000 2013 Aug Aug 1st Aug 12th - Aug 19th 1 $1125
Discover 3044 16,000 2007 May Aug 2nd Aug 13th - Aug 20th 1 $1180
Chase 2497 29,500 2016 May Aug 2nd Aug 13th - Aug 20th 1 $1015
Barclays 1041 15,000 2011 Jan Jul 30th Aug 11th - Aug 18th 1 $932.50
Barclays 2759 20,000 2017 Jul Aug 7th Aug 18th - Aug 25th 1 $685
Capital One 2389 4,000 2009 May Jul 24th Aug 4th - Aug 11th 2 $850
Barclays 2209 29,400 2007 Jan Aug 5th Aug 16th - Aug 23rd 1 $1345
Capital One 1500 20,000 2008 Dec Aug 2nd Aug 13th - Aug 20th 1 $1180
Capital One 1348 1,000 2008 Oct Aug 2nd Aug 13th - Aug 20th 1 $767.50

Publicación de las inyecciones de crédito:

Debido a que la fecha del estado de cuenta para cada inyección de crédito es diferente, esta ventana de publicación puede variar, por lo que proporcionamos la información detallada tan pronto como se complete el pedido.

Capital One, Bank of America, Discover, USAA and Navy Federal, U.S. Bank por lo general reportan a los 3 buros de crédito.

Ampliación de tiempo de publicación en inyecciones

Las inyecciones de crédito no son permanentes. El Cliente tiene la opción, por un pago extra, de extender la línea comercial por 30-180 días durante los primeros 35 días posteriores a su compra inicial. Después de 35 días hábiles, si no hemos recibido una solicitud de extensión, le pediremos a nuestro titular de tarjeta que lo retire de la inyección de crédito después de que hayan pasado dos ciclos de facturación. Las inyecciones de crédito eliminadas aparecerán de manera muy similar al estado “cerrado” o al estado de “relación de usuario autorizada terminada” en su informe de crédito.

Impacto en el reporte crediticio

Garantizamos la publicación de las inyecciones, en al menos 2 de los buros de crédito. No tenemos ningún control sobre la inyección de crédito que informa más rápido a las agencias de crédito y no garantiza la publicación en más de una agencia de crédito.

Para aumentar la probabilidad de que aparezcan en los 3 buros de crédito, se deberían adquirir un mínimo de 3 inyecciones de 3 bancos diferentes.

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