Do store cards count towards total utilization?

[RocketSurgeon]

I understand that store cards do not count with regard to AZEO, but one thing I'm unclear on is if/how they count towards total utilization (and total available credit).

If I were to get a large CLI on store card, will that help lower total utilization for all my revolving accounts? Will it also count towards total available credit?

[Thomas_Thumb]

Yes they do. The exception would be a store card with 1 month payment terms like an AMEX charge card. A revolving credit store card counts for individual utilization and toward aggregate utilization.

I see this with my Best Buy store card which is store use only - not a cobranded Visa type.

[SouthJamaica]

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@RocketSurgeon wrote:

I understand that store cards do not count with regard to AZEO, but one thing I'm unclear on is if/how they count towards total utilization (and total available credit).

If I were to get a large CLI on store card, will that help lower total utilization for all my revolving accounts? Will it also count towards total available credit?

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Yes they count the same as bank cards for utilization purposes.

[GZG]

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@Thomas_Thumb wrote:

Yes they do. The exception would be a store card with 1 month payment terms like an AMEX charge card.

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does this change if you have pay over time enabled anybody know? 

I wonder how, if at all, pay over time changes how Amex reports their charge cards 

[Thomas_Thumb]

It does not. The card is still reported as an open account with 1 month terms, not a revolver. Furthermore, it does not report a credit limit even though you have a POT limit. Card holders often have a hidden charge limit well above their POT limit.