@FicoGuy2019 wrote:Do charge cards report the same? My current amex doesn't report a limit like the other cards but it does show "revolver" as the other cards and this reports the soonest of all my cards(Friday). I will plan on carrying a small balance. The statement closing date is the 11th and I have always paid before closing so it reports a 0 balance, so unfortunuately, that's the reason I don't know. Usage shows a % but with the Amex it shows "-" which I am assuming is because it's 0? Although, the other cards actually shows 0% (or whatever the utilization is) under usage.
Amex reported like clockwork since my statement closed on the 11th. So to answer this question, since my Amex Zync is NPSL it reported a balance but it shows no credit limit and no usage like my other cards do....so it doesn't calculate it in my total utilization and still shows it's zero and I still have the reason code "No credit card activity". I am now assuming that we can't use charge cards with NPSL to calculate in to utilization?
My new Amex Cash Magnet closes on Sunday (14th) but I don't know how long it will take Amex to report the new card on my reports. Maybe I should leave a balance on it, just in case it reports on my reports on the 15th/16th?
Edit: Now that I think about, I guess if the CM does report, I won't really find out the answer about getting all of the points back since I'll have a new card reporting which may or may not affect my score as well. So, if the CM doesn't report this week, it's a good thing because I will have another card reporting at the beginning of May before next Amex statement closing....if it does, oh well.