Why AMEX never report my payment history

[DavidZeng]

Just checked my report, Chase reported my actual payment amount every month( except first cycle). However, AMEX never report any payment amount across all my three cards with them. I do want to leave some great payment amount on my report...

Amex only reported Last cycle cut balance and this cycle cut balance, other info like actual payment, past due... etc all zero. For 2 of my accounts never let balance cut and reported. They look like I never even use them.... Holy...I run almost all my daily expense on those two cards..

Saaaaad

[cheon1]

same here?

[notfancy]

I have multiple cards that report 0 all the time making it look like I probably don't use them. That's not a bad thing. There are comments on this forum somewhere stating that if a card is actually unused that eventually it will report as such.. and will then get taken out of your UTL (someone help me out here with explaining that) but I wouldn't worry if they're not reporting your usage.

If your credit, and cards are making you anxious, can you talk to a financial planner? Maybe some professional advice would make you feel more at ease.

[Mailak]

I see amex reports balance for me but everythign else on EX is no data, unknown, etc.

[notfancy]

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@DavidZeng wrote:

Just checked my report, Chase reported my actual payment amount every month( except first cycle). However, AMEX never report any payment amount across all my three cards with them. I do want to leave some great payment amount on my report...

Amex only reported Last cycle cut balance and this cycle cut balance, other info like actual payment, past due... etc all zero. For 2 of my accounts never let balance cut and reported. They look like I never even use them.... Holy...I run almost all my daily expense on those two cards..

Saaaaad

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If you're really that nervous pay Chase to 0, and then let the Amex report a balance of 1-9% of that card's limit. (assuming it is a revolver and not a charge card) Find out when your statement cut date is and leave a little balance, then if you want to, pay it in full before the actual due date.

[youngandcreditwrthy]

Reporting of actual payment amounts is what would ID a consumer as a "transactor" or "revolver"..

I've also noticed that Amex doesn't report the actual payment amounts. As such, it's best imo to pif before statement cuts. Amex will report a "high balance" though.

Keep in mind it is not required legally or otherwise for creditors to report actual payment amounts. It is something the CRAs started doing mid-2013. This is also why it's very important to be in control of your util and to time payments with reporting.

[enharu]

.... CRAs been collecting actual payment amount info before 2013. Not sure if you are serious, but basically some lenders report it, and some don't. Discover and Amex for instance do not. It's just now their systems work. That's all there is to it.

[youngandcreditwrthy]

I was basing the dating on an article read somewhere about it on one of those finance blogs.

either way, it isn't required and doesn't affect your score.

[enharu]

It certainly does not affect your scores. Some lenders use that as a tool to simply gauge how much customers are paying compared to their balances. There are many ways to do so and this is one of the them.

If the balances are too high and the payment amounts are too low for a considerable amount of time, then sometimes that may result in a manual account review.