Amex hurting scores?

[2001Badyear]

Since Amex lists your available credit as $0, as there are no preset limits, this would appear to significantly impact my debt ratio (and consequently score).

I use my Amex for business, and because it's Platinum with flexpay, I will often defer those until I get my reimbursment from work. That seems to be a problem from what I can determine here.

Anyone have any ideas on this?

Thanks,

[Ahntara]

Typical AMEX accounts (the blue one) are OPEN accounts, not revolving. Thus they don't have the same impact on scores in the Utilization category. This type of account isn't a "Credit" card, but a charge card that you must pay off in 30 days...or later if this condition applies (like your Platinum account).

[2001Badyear]

Ahntara,

I believe most Amex accounts are typically considered "demand" cards, as they have to be paid when billed. This even applies to the Platinum Card, but you can get invited to defer any of it (without interest) if your payment history is good. That is the case here, but those balances against what shows as a zero limit seems to be dragging down my scores??

Not sure, but that's what it seems like when I add what they are calculating. Just looking for everything possible to increase my scores and will finance my work expenditures if need be.

Just wasn't sure if anyone had worked this through already.

Thanks,