Do charge card statement balances show up on CR's?

[MissCredit9]

Will the statement balance of my Amex PRG show up on my credit report and count against my utilization? I haven't been maintaing a zero balance right before my statement cuts and I've sorta been assuming that it is negatively affecting my score. Today I read somewhere that charge cards don't report balances to CB's since they are PIF every month. I don't wanna pull a report just to find out since I'm assuming someone on here knows the answer to this question. Thanks in advance for any help.

[ddemari]

My amex charge card reports a balance so an amount owed but does not factor into utilization.
Im pretty positive thats how it works.

[ddemari]

If i pay in full before statement cuts and let it close at 0 its the same logic with cc's but this balance doesnt affect your ratio.

[EddieK]

On most newer models it won't factor into utilization, but it definitely will on the EQ04 model.

[MissCredit9]

Thanks guys. I'm currently carrying (small) balances on 4 cards (all 0%) because of tuition expenses. I'm only using AMEX for day to day stuff to ensure I PIF and lower my debt each month instead of increasing it. I just don't want it to look like I'm carrying 5 balances instead of 4. I could easily manipulate my spending to ensure it reports at 0 but I suppose there is no reason for me to bother with this as it doesn't affect my utilization. Besides I'm not applying for anything soon besides CLI's.

[takeshi74]

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@MissCredit9 wrote:

Today I read somewhere that charge cards don't report balances to CB's since they are PIF every month.

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That is incorrect.  Like (most) credit cards a cycles closes out and the balance is reported at that time.  The payment is due at a later point and does not reduce the reported balance.

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@MissCredit9 wrote:

I don't wanna pull a report just to find out since I'm assuming someone on here knows the answer to this question.

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If you use a service like CK you can access reports at no charge.  CK only covers TU and EQ but it does offer weekly updates and access to historical report data.