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hey guys its a bastion from SCB and today we are going to talk about how charge cards affect your credit history so the reason why people are confused about this is because of charge cards you typically have to pay off your balance in full every single month with credit cards you can keep it balanced meaning that its a bit different for your credit history these cards also dont technically have a limit that is posted even though there is an internal limit from American Expresss end so the big question is how does this affect your utilization if theres technically not a limit how does it work in the past what they ended up doing was looking at your largest statement that was posted in treating that as the limits so for example lets say you had a transaction last month so lets say it was the first month and you had $10,000 post and lets say this month it was $1000 so this would mean that your utilization was going to be 10% for this month so the current balance divided by the lar