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@youngman1234 wrote:
Amex charge cards don't hurt you at all. I actually consider them helping us, the balance doesn't get calculated in your utilization. So you could have a 2000, 10,000 or 100,000 balance it won't ever get calanculated in your untilzation. Since it is a charge card and has to be paid in full. Also on serveral occasions I was able to convince credit analysts to give a higher credit limit but justifying the amount I charge on my charge card.
EQ as a matter of fact does calculate it into utilization. I let my PRG report a balance once to see if there was any effects and EQ took that into account.