Perhaps we're arguing over terminology? I believe I would want to pay before the due date
as opposed to paying before the statement release
According to an unofficial wiki post, regarding the utilization issue, depends on the issuer:"According to a CardHub.com NPSL study, the way NPSL charge cards are reported to the major credit bureaus varies by issuer and can lead to artificial increases in credit utilization, thereby lowering one’s FICO Score."
the original link can be seen here:Charge card - Wikipedia, the free encyclopedia
But assuming Amex doesn't consider utilization at all, that would leave the other categories of the FICO scoring to factor in the score: Payment history, length of credit history, types of credit, new credit, etc as per myfico.com's article on What's In Your FICO Score.
So I guess just by having it, it will help as far as length of history/payment history goes for the most part.
But I digress. In all honesty, I probably earn $15-17k a year at my current job- do y'all think the Zync would be a great fit, especially aimed at the younger crowd like me?