Role of Charge card (AMEX Zync) in FICO Scores

[llecs]

Is the BofA a Signature or WorldPoints CC?

[rajbansjoshi]

Its a BOFA Power Rewards.. Signature.

[llecs]

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@rajbansjoshi wrote:

Its a BOFA Power Rewards.. Signature.

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I think you solved your own post. FICO scores them differently, but I'll defer to others on how NPSL (no pre-set limit) CCs impact your EQ FICO.

[Anonymous]

So Zync isnt part of utilization at all?

That would be sweet bc then I can use it as a gas card and not my crappy C1 card that would run up my util....

If thats the case then thanks guys....youve all been a great help for my credit!

[haulingthescoreup]

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@Anonymous wrote:

So Zync isnt part of utilization at all?

That would be sweet bc then I can use it as a gas card and not my crappy C1 card that would run up my util....

If thats the case then thanks guys....youve all been a great help for my credit!

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Mainly, no it's not, except on TU98. So you might see a score effect on the TU that you get here, but if a lender pulls TU, it will probably be TU04, and you'll be OK.

[Anonymous]

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@haulingthescoreup wrote:

 

Mainly, no it's not, except on TU98. So you might see a score effect on the TU that you get here, but if a lender pulls TU, it will probably be TU04, and you'll be OK.

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Cool!

This will replace my C1 low limit card for gas and other lower end purchases then....

Thanks!

[TheR105]

I have a zync to and it was not included in my EQ utilization.

[haulingthescoreup]

Bumping to restore the thread title.

Please, folks, don't retitle threads. Endless confusion results, and it's kinda insulting to the OP. Start your own if you must.

[MarineVietVet]

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@haulingthescoreup wrote:

Bumping to restore the thread title.

Please, folks, don't retitle threads. Endless confusion results, and it's kinda insulting to the OP. Start your own if you must.

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Title now restored.

I agree with HTSU. If the title is not to your liking start a new thread with your comments.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Booner72]

Is it okay to ask what a charge card is on this post, or should I start my own thread?  If it's okay, my question is:  It's something you have to pay in full by the due date each month?