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dmills

When does Amex Report

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I received my Amex on April 6th and they haven't reported yet to the bureaus.

 

How long do they take to report?

 

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You get 45 days to pay so they'll prob report the 47 day

 

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So any time now

 

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You get 45 days to pay so they'll prob report the 47 day

 

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So any time now

 

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Got My card May 16 first bill due July 1

 

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Yep. All of their accounts seem to report after 2-3 billing cycles.

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There will be a due date on the bill.

 

I had a statement that closed on May 15 with a due daye of June 9... so 20 days from the last posted transaction.

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My "new" AMEX card took 2 months (2 billing statements) to report and show on my CR.

 

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Yep. All of their accounts seem to report after 2-3 billing cycles.

How does it effect your score if it has no limit?

 

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Yep. All of their accounts seem to report after 2-3 billing cycles.

How does it effect your score if it has no limit?

 

Sent from my SM-G928T using Tapatalk

 

Do you have any other credit cards... and or credit card balances?

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Yep. All of their accounts seem to report after 2-3 billing cycles.

How does it effect your score if it has no limit?

 

Sent from my SM-G928T using Tapatalk

Do you have any other credit cards... and or credit card balances?
Yes I do several.

 

Sent from my SM-G928T using Tapatalk

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Yep. All of their accounts seem to report after 2-3 billing cycles.

How does it effect your score if it has no limit?

 

Sent from my SM-G928T using Tapatalk

Do you have any other credit cards... and or credit card balances?
Yes I do several.

 

Sent from my SM-G928T using Tapatalk

 

So It won't really effect them.

 

You can let balances report on it, and they will not add to your utilization. If you pay before the balances report you won't get any benefit that you might see from the utilization padding of cards that report a credit limit.

 

It's actually very nice not to have to worry about paying in advance of the statement.

 

Business Cards (that do not report) have the same effect, except that they are completely hidden from everyone but you and the lender.

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Yep. All of their accounts seem to report after 2-3 billing cycles.

How does it effect your score if it has no limit?

 

Sent from my SM-G928T using Tapatalk

Do you have any other credit cards... and or credit card balances?
Yes I do several.

 

Sent from my SM-G928T using Tapatalk

So It won't really effect them.

 

You can let balances report on it, and they will not add to your utilization. If you pay before the balances report you won't get any benefit that you might see from the utilization padding of cards that report a credit limit.

 

It's actually very nice not to have to worry about paying in advance of the statement.

 

Business Cards (that do not report) have the same effect, except that they are completely hidden from everyone but you and the lender.

Gotcha! But to potential lenders, even having an Amex on your CR speaks volumes?

 

Sent from my SM-G928T using Tapatalk

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Yep. All of their accounts seem to report after 2-3 billing cycles.

How does it effect your score if it has no limit?

 

Sent from my SM-G928T using Tapatalk

Do you have any other credit cards... and or credit card balances?
Yes I do several.

 

Sent from my SM-G928T using Tapatalk

So It won't really effect them.

 

You can let balances report on it, and they will not add to your utilization. If you pay before the balances report you won't get any benefit that you might see from the utilization padding of cards that report a credit limit.

 

It's actually very nice not to have to worry about paying in advance of the statement.

 

Business Cards (that do not report) have the same effect, except that they are completely hidden from everyone but you and the lender.

Gotcha! But to potential lenders, even having an Amex on your CR speaks volumes?

 

Sent from my SM-G928T using Tapatalk

 

I'd say it's just another card as far as most banks are concerned.

 

Good utilization, long history and on time payments are what matters.

 

 

Do you have other MR earning cards?

 

They can be very rewarding but require some study to understand what redemptions will work well for you.

 

If you research it and like what is there treat Amex well and they will treat you well back over time.

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