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Actually the condition box talks about whether the account is Open or Closed with an explanation or delinquent.
@SonorityGenius wrote:Thats exactly how my Gold reports as well HTSU..The condition on both is "Open" which codes as Installment-esqe in FICO scoring purposes..the balance on gold will reflect your highest balance ever so do let it cut a statement once in a while!
@erchambers wrote:Actually the condition box talks about whether the account is Open or Closed with an explanation or delinquent.
@SonorityGenius wrote:Thats exactly how my Gold reports as well HTSU..The condition on both is "Open" which codes as Installment-esqe in FICO scoring purposes..the balance on gold will reflect your highest balance ever so do let it cut a statement once in a while!
1.) EX: make sure it reports as revolving, terms 1 month; if it reports like this it will not count in util calculations
2.) EQ: make sure it reports as other open account; if it reports like this it will not not count in util calculations
3.) TU: the current scoring model includes no limit charge cards in util, no matter what you do
http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=79027#M79027
I checked my full EX and I think it's right there, but I don't see anything on EQ that indicates that it's a charge card rather than a revolving credit card. I'll put those screen shots up when I get back, ummm, to my regular computer.