American Express Membership Rewards - How often does AmEx report balances to Credit Reporting Agencies?

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Duke5150

Dec 12, 07, 3:54 pm

How often are updated balances due reported by AmEx to the credit reporting agencies (Experian, Equifax, Trans Union)?

Beckles

Dec 12, 07, 4:03 pm

I believe they report your last statement balance once per month.

MattUK

Dec 12, 07, 4:04 pm

Usually monthly, although sometimes it misses a month. Always quick to register late payments too.

Mr. Vker

Dec 12, 07, 5:08 pm

Agree with the others. I have never seen one of my credit reports without up to date credit info.

YSquared

Dec 12, 07, 5:55 pm

For the charge cards, they report once every 2 month. For the credit cards, they report each month since theres a line of credit being issued.

kennycrudup

Dec 12, 07, 6:49 pm

For the charge cards, they report once every 2 month.
You sure? I subscribe to CreditSecure and although my Plat's balance is reported 60 days behind, it's always reported differently every 30 days.

YSquared

Dec 12, 07, 6:58 pm

I was told by the AMEX agent that for their chargecards its once every 2 months... but if your credit report says otherwise, maybe she was wrong?

kennycrudup

Dec 12, 07, 7:01 pm

I was told by the AMEX agent that for their chargecards its once every 2 months .... maybe she was wrong?
Heh. We all know that AmEx (or anyone's, for that matter) phone support is never wrong! :D

idainc

Dec 12, 07, 8:29 pm

For a US Business charge card ( obtained by using a US SS# of the primary card holder ) AMEX does not report to any consumer credit reporting agncy.

Doppy

Dec 12, 07, 9:27 pm

You sure? I subscribe to CreditSecure and although my Plat's balance is reported 60 days behind, it's always reported differently every 30 days.
Same for me on my AmEx charge and credit cards.

kash04

Dec 13, 07, 9:44 am

i think its funny that amex gives me more spending on my blue then anyone of my other credit cards :-\ i think they think i have crappy credit or something.. oh well guess its why i've allways been a fan of amex since highschool.. :)

Axey

Dec 13, 07, 12:32 pm

For a US Business charge card ( obtained by using a US SS# of the primary card holder ) AMEX does not report to any consumer credit reporting agncy.

...something that has annoyed me for quite a while. You can bet that anything negative would show up on said primary card holder's credit report. :rolleyes: