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Is this a charge card or a credit card?
@AZHeather wrote:I got a SW notice yesterday for having a balance on my cc. It went from $0 balance to $120. Apparently my payment didn't post before the update to the CR's (I try to always stay at $0, but use to stay "active"). The SW notice specifically said the 5 pt drop was because of my balance, which is 12% of my cl.
@Anonymous wrote:Is this a charge card or a credit card?
@AZHeather wrote:I got a SW notice yesterday for having a balance on my cc. It went from $0 balance to $120. Apparently my payment didn't post before the update to the CR's (I try to always stay at $0, but use to stay "active"). The SW notice specifically said the 5 pt drop was because of my balance, which is 12% of my cl.
Credit card - sorry just re-read the Re: line and noticed "charge" card. My bad.
I just dont understand how everyone can say that Charge Cards arent factored in to the utilization, but this apparently was...? Nothing else has changed on my credit report at all...my AMEX statement reported and thats it. I monitor these types of things daily.
I think this is what is happening: The individual charge card utilization is not counted ~ however it is included in the number of cards with balances.