topic Re: Equifax Amex Charge Card Reporting in Credit Card Applications

Equifax Amex Charge Card Reporting

Soundersfan1 — Tue, 12 May 2026 20:53:44 GMT

Hello,

I tried applying for the CSR and realized that my Equifax report was frozen. When I went into Equifax to unfreeze it. I noticed that my 2 Amex charge cards (Gold and Platinum) were listed under "open lines" instead of revolving account. Without these 2 cards, I would be at 4/24 with them 6/24. Would Chase see these 2 accounts as credit card accounts or would I be able to get away with opening the CSR?

Re: Equifax Amex Charge Card Reporting

DeeBee78 — Wed, 13 May 2026 02:13:30 GMT

@Soundersfan1 wrote:
Hello,

I tried applying for the CSR and realized that my Equifax report was frozen. When I went into Equifax to unfreeze it. I noticed that my 2 Amex charge cards (Gold and Platinum) were listed under "open lines" instead of revolving account. Without these 2 cards, I would be at 4/24 with them 6/24. Would Chase see these 2 accounts as credit card accounts or would I be able to get away with opening the CSR?

It doesn't matter how they report to the bureaus, for Chase's purpose they're tradelines. wait until you're under 6/24 including these accounts.

Re: Equifax Amex Charge Card Reporting

RobertS2 — Thu, 14 May 2026 23:37:57 GMT

I think you're good. They're more worried about new Chase accounts.

Re: Equifax Amex Charge Card Reporting

Total_Synergy — Fri, 15 May 2026 17:50:20 GMT

Yes, they would consider these as a 'credit card' for the purpose of their 5/24 rule. Wait until you are <5/24 to apply. I'm currently @ 9/24 (but 3/24 in 86 days, lol) - whatever shall I do...