Amex PIF card - utilization and revolving debt?

[m_jonis]

If you have an Amex PIF card that is not listed as a charge card, does it factor into your utilization of revolving debt? And if so, do they use the "highest balance" as the credit limit?

[Anonymous]

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m_jonis wrote:
If you have an Amex PIF card that is not listed as a charge card, does it factor into your utilization of revolving debt? And if so, do they use the "highest balance" as the credit limit?

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Nope it doesn't factor in.  It reports as "Other" instead of "Revolving."

Edit:  Wait, what do you mean by "not listed as a charge card"?  How is yours reporting?

Message Edited by cheddar on 02-11-2008 07:35 PM

[m_jonis]

MyFico lists it not as revolving but as: Open account All the other credit cards show as "revolving". Although based upon the percentages, it seems that it IS being counted as a "revolving" card, as the numbers seem to add up (spent the last few minutes calculating).

[Anonymous]

Yep- It should report under "Other" and should not factor into UTL.

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m_jonis wrote:
MyFico lists it not as revolving but as: Open account All the other credit cards show as "revolving". Although based upon the percentages, it seems that it IS being counted as a "revolving" card, as the numbers seem to add up (spent the last few minutes calculating).

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