A charge card is like, but not the same as, a credit card. As such, there are subtle differences in how they’re used in credit scoring.

Typically, a charge card balance is due in full each month, while credit card balances can be carried, or “revolved,” from month to month. Charge cards do not have published credit limits, whereas credit cards do.

Charge card accounts factor into credit scores but are not used by the VantageScore^® scoring model, due to the lack of a credit limit used in calculating “balance to credit limit” measurements.