How do you know when AMEX reports?

[Zenway]

A little new at this have a new Amex blue cash- want to use for some large purchases I have coming up and pay off right away. Just trying to figure out timing so it's not showing high usage when reporting and accidentally pull down my credit score. Have had the card one month and not used it yet. Thank you! 

[dragontears]

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@Zenway wrote:

A little new at this have a new Amex blue cash- want to use for some large purchases I have coming up and pay off right away. Just trying to figure out timing so it's not showing high usage when reporting and accidentally pull down my credit score. Have had the card one month and not used it yet. Thank you! 

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Whatever is your statement balance is what will be reported (Amex generally starts reporting for the first time after the 2nd statement). 

[Zenway]

Hank yOu, but I'm trying to figure out when they report. Right now balance is zero. But let's say I charge 1k, I don't want to have that reported as my balance before I pay it off.... assuming pay before due, etc, not carry a balance.

[dragontears]

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@Zenway wrote:

Hank yOu, but I'm trying to figure out when they report. Right now balance is zero. But let's say I charge 1k, I don't want to have that reported as my balance before I pay it off.... assuming pay before due, etc, not carry a balance.

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They report when your statement cuts (reflected on your reports  a few days later most of the time) , look at your account.

[Zenway]

thank you. I guess I haven't gotten my first statement yet! 

[Slabenstein]

Amex usually takes a couple of statements to start reporting, so you have a bit of a window before you have to start worrying about util on the card having a scoring impact.

[Brian_Earl_Spilner]

Typically, you need to use a card to get a statement.

[pinkandgrey]

As others have said, Amex is typically one month/statement behind. Your statement balance is what will get reported, and it will get reported probably a few days after the statement cuts. As long as you pay the purchase off before your statement cut date, your utilization won't be a problem. 

Good luck!

[Anonymous]

Amex makes it pretty clear if you ever forget when your statement cut date is.  Most of the time, I use the mobile phone to log in so that's what I'm going to show in the following pics.

When you log in through your mobile:

1)  At the home screen select the statements icon at the very bottom

2)  Select transactions and statements

3)  The closing date is shown

[4sallypat]

Yes, Amex is great at notifying you if you opt into  text & email alerts.

I usually pay my Amex before the due date as Amex gets "noisy" about upcoming payment due...

They call it "weekly snapshot"