credit mix / store card vs charge card vs revolving credit

[zeek69]

I've read a great deal on this board about including a store card to improve credit mix. Yesterday I read here that store cards are reported as charge cards whereas credit cards are reported as revolving credit. Makes sense... But doesn't Amex Green / Gold / Plat report as charge cards as well? If so - then there is no need to have a store card if you already have an amex charge. Right??



Thank you

[Anonymous]

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zeek69 wrote:
I've read a great deal on this board about including a store card to improve credit mix. Yesterday I read here that store cards are reported as charge cards whereas credit cards are reported as revolving credit. Makes sense... But doesn't Amex Green / Gold / Plat report as charge cards as well? If so - then there is no need to have a store card if you already have an amex charge. Right??



Thank you

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A store card reports as a charge account.  This is different from a charge card.

[fused]

zeek69 wrote:

Makes sense... But doesn't Amex Green / Gold / Plat report as charge cards as well? If so - then there is no need to have a store card if you already have an amex charge. Right??


Thank you

Amex charge cards report as an open account on TU and EQ, and revolving terms 1 month on EX. The 1 month on EX really means PIF monthly. These types of cards are not the same as store cards. Store cards report as charge cards but their terms are still revolving.