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Question By
as0125

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What if you have a credit card but it's not showing on your credit?
I have a American Express credit card & I don't see it on my credit score.. why is that?

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How long you have it, If it's new? AmEx tend to take longer to report than others, it might take toward end of third month before it appears on your report. If it's been 6 months? You can always call/chat with AmEx and ask.

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One way to look at it, if it takes 3 months to report a new account? Then when it did report, it's already 3 months old, so it might affect my scores little less.

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As Johnny said, AMEX is slow to report new accounts, I think two to three months is very typical for the time it takes them to report a new account. If it has been over that, give AMEX a call and politely ask them if they could get it on your reports.

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If you check all three credit reports (only two are used for the teaching process here) you might find where that card is being reported.

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JohnnyRain127

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And if you did read the articles yourself, like you are so willing telling others to do? Then, you would've known that America Express reports to all three Credit Bureaus.

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