So just after the 1st of the year, I paid off all of my cards to $ 0. The only one that hasn’t updated yet is Barclay. They lasted reported on Dec 20, 2016. They always seem to do this when I PIF. If I carry a balance bang they update like clockwork. This is my oldest card so I am not going to close it and it has and okay limit of $ 5250.00. So I think they have just found a permanent place in my sock drawer.