https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Does-A-Charge-Card-Affect-Your-FICO-Score/m-p/75805#M10242 <DIV>I have my AMEX charge card (the green one) and I just put $1000 on it.&nbsp; I'm wondering how that's going to affect my FICO score, if at all, before i get the chance to pay it off.</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>anyone know?</DIV> Wed, 03 Oct 2007 19:31:49 GMT Anonymous 2007-10-03T19:31:49Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Does-A-Charge-Card-Affect-Your-FICO-Score/m-p/75805#M10242 <DIV>I have my AMEX charge card (the green one) and I just put $1000 on it.&nbsp; I'm wondering how that's going to affect my FICO score, if at all, before i get the chance to pay it off.</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>anyone know?</DIV> Wed, 03 Oct 2007 19:31:49 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Does-A-Charge-Card-Affect-Your-FICO-Score/m-p/75805#M10242 Anonymous 2007-10-03T19:31:49Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Does-A-Charge-Card-Affect-Your-FICO-Score/m-p/75837#M10243 <DIV>In my experience, as long as this card is not reporting as <EM>credit card: revolving terms</EM> it will not factor in FICO util% calculations. This is how my Amex Gold card reports on all three bureaus</DIV> <DIV>&nbsp;</DIV> <DIV>EQ: <EM>other open account</EM>; this is alright and being reported like this ensures it won't factor in util% calculations</DIV> <DIV>&nbsp;</DIV> <DIV>EX: <EM>charge account with terms = 1 month,</EM> again doesn't factor in util% calculations (finally EX got this reporting accurately, I nearly sued them)</DIV> <DIV>&nbsp;</DIV> <DIV>TU: same as EQ</DIV> <DIV><EM></EM>&nbsp;</DIV> <DIV><EM></EM>&nbsp;</DIV> <DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV></DIV> Wed, 03 Oct 2007 20:24:02 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Does-A-Charge-Card-Affect-Your-FICO-Score/m-p/75837#M10243 fused 2007-10-03T20:24:02Z