How AMEX shows on CB

Anonymous · ‎08-01-2013

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.

pizzadude · ‎08-01-2013

@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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

myjourney · ‎08-01-2013

@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.

+1

Mine shows as a credit card

no limit

just the balance

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Anonymous · ‎08-01-2013

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