12-15-2008 04:46 PM - edited 12-15-2008 04:47 PM
12-15-2008 04:59 PM
12-15-2008 05:04 PM
reportedly some banks track minimum payments. there's no telling how many of these and in what combination with other factors can lead to adverse action.
wamu cc website for example shows a check box listing your last three payments were either the minimum, above it, or below it. i would be surprised if amex wasn't also keeping a close watch.
12-15-2008 05:45 PM
12-16-2008 04:34 PM
I doubt that anyone knows this for a fact. And there's so much drama going on about AmEx, you could get any sort of response.
I suppose my attitude would be that if I could pay over the minimum, even if only $20, I'd go with that. Possible short-term discomfort, due to less cash available for other things, but long-term bennies of owing that much less.
This is a revolver you're asking about, right? Not a charge card?
Yah, it's Delta
12-16-2008 05:20 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.