How does EX view charge cards?

[CS800]

I have 3 Credit cards and 2 charge cards

I was looking at my EX report and it lists : Mortgage, Credit cards, Instalments etc but I didn't anywhere listed the two charge cards.

Also unlike TU98, EX doesnt factor my charge card balance into my revolving. So question is, what benefit is it to have charge cards with EX?

[fused]

This is how you know EX is treating your Amex charge cards as just that. On your EX report it should show the following:

Under Terms, it should read 1 month.

On EQ and TU, they should report as open accounts and not revolving accounts

As for your EX FICO score, the benefit of having Amex charge cards is that your score won't drop with a balance reporting, and your score won't tank if you have a balance reporting nearly as high as your high balance.