In my experience, as long as this card is not reporting as credit card: revolving terms it will not factor in FICO util% calculations. This is how my Amex Gold card reports on all three bureaus
EQ: other open account; this is alright and being reported like this ensures it won't factor in util% calculations
EX: charge account with terms = 1 month, again doesn't factor in util% calculations (finally EX got this reporting accurately, I nearly sued them)
TU: same as EQ