Actually they don't look at individual items on a CC. They just look at the card & "how much" is owed not WHAT it is owed on.

Yiu only get that on single item purchases like a car or a house. I have been monitoring my CR & my Ex's while he let the house my name was on the mortgage go into foreclosure. I have a few lines of credit I keep paid off monthly. Nothibg was itemized on them