topic Re: How AMEX shows on CB in Credit Cards

How AMEX shows on CB

Anonymous — Thu, 01 Aug 2013 15:16:10 GMT

I just got plat amex and it shows balance on EXP but does that hurt the score? Since it's a NPSL? I noticed my EXP score is 40 points lower than EQ.

Re: How AMEX shows on CB

pizzadude — Thu, 01 Aug 2013 16:33:36 GMT

@Anonymous wrote:
I just got plat amex and it shows balance on EXP but does that hurt the score? Since it's a NPSL? I noticed my EXP score is 40 points lower than EQ.

Welcome to the forums !!

Did you pull your scores from here at MyFICO or elsewhere ? AMEX charge cards do not report a credit limit, and their balance is excluded from FICO revolving utilization calculations.

Re: How AMEX shows on CB

myjourney — Thu, 01 Aug 2013 19:19:01 GMT

@pizzadude wrote:
@Anonymous wrote:
I just got plat amex and it shows balance on EXP but does that hurt the score? Since it's a NPSL? I noticed my EXP score is 40 points lower than EQ.
Welcome to the forums !!

Did you pull your scores from here at MyFICO or elsewhere ? AMEX charge cards do not report a credit limit, and their balance is excluded from FICO revolving utilization calculations.

Mine shows as a credit card

no limit

just the balance

Re: How AMEX shows on CB

Anonymous — Thu, 01 Aug 2013 19:24:15 GMT

It should also be reporting on the other 2 CB's. you should check to make sure all 3 CR's are reporting the same info