How do charge cards impact your credit score?

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How do charge cards impact your credit score?

Postby Nissl » Mon Jul 09, 2012 2:43 pm


Not sure if this is the right place to post... I'm a grad student and am just beginning to build up a US credit history. I got a loan from a local bank for 5K just over a year ago and its been paid off completely.

Amex Canada was able to get me a US gold card card two months ago using my long history with them. I'm wondering how this card will affect my history/score. I've looked around the forum, but still find this issue very confusing.

Most posts seem related to the fact that Amex has no preset spending limit, but few actually address how charge cards impact a score in general. Would it be beneficial for me to open a credit card account with a limit?

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