How PRG/Chargers Report

[driftless]

I applied for two cards yesterday, one of which is the PRG. I was wondering how a charger effects my FICO score, particularly as to utilization?

[Anonymous]

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@driftless wrote:
I applied for two cards yesterday, one of which is the PRG. I was wondering how a charger effects my FICO score, particularly as to utilization?

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Charge cards don't affect utilization and therefore your credit score unless you were to use their pay over time feature.

[CreditCuriosity]

PRG won't factor into utilization if you don't use the POT feature as it is a charge card.  .  

[CreditCuriosity]

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@Anonymous wrote:

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@driftless wrote:
I applied for two cards yesterday, one of which is the PRG. I was wondering how a charger effects my FICO score, particularly as to utilization?

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Charge cards don't affect utilization and therefore your credit score unless you were to use their pay over time feature.

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must of hit enter 5 secs before me.. I want my time back that I will never get

[driftless]

Thanks, that is what I thought. I did not realize that there is a pay over time option with PRG.

[Anonymous]

Does it affect AAoA?

[driftless]

Yes.

Yesterday's inquiry has already shown up on myFICO with EX and I was pleasantly surprise to see no change in my score.

[Anonymous]

There was no hit to your score even though there was an HP?

[driftless]

No hit.  "Your score has not changed since 6/24/2016"

[RonM21]

As others said, it should not effect your score on utilization but will effect AAoA. Outside of the way they are used, they really don't effect your report too differently.