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Established Contributor
cashnocredit
Posts: 1,030
Registered: ‎07-18-2009
0

Re: Amex NPSL Question

This is what I love about Amex. An absolutely unsurpassed ability to charge large amounts. I didn't have baddies but my oldest acct was just 3 years. I've checked a couple of times before purchases >20k then > 50k which were approved but I have no idea what the actual limit is. At this point I no longer bother to check though I suppose I would if I was looking at using it for >80k or so and I don't forsee that as likely.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Amex NPSL Question

@Pat94108,

 

Thanks for the info

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Amex NPSL Question

@cashnocredit,

 

Thanks for the info.  Like you, I'll most likely never even use the 10k I have now, but it's sure nice to know you have it if you ever need it :smileyvery-happy:

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Amex NPSL Question

Pat is correct. I got offered after 6 months of membership. There is no AA and the reported balance does not count toward your util. Well, depending on which fico model you use.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Amex NPSL Question

@armbenderc,

 

I noticed that the PRG reports to both EX and EQ as a credit card.  It's not calculated in my utilization and reports no credit limit.  If I ever did carry a balance, how does the balance report?  Currently there is no balance.  It just reports highest balance.

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Amex NPSL Question

[ Edited ]
@12njoy according to my Amex credit secure, it just report balance. The balance is not included in your regular util. In fact it doesn't even show unless you look at Amex card to actually see the balance.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
cashnocredit
Posts: 1,030
Registered: ‎07-18-2009
0

Re: Amex NPSL Question

The highest balance is reported. Charge cards don't affect FICO Util calcs at all except for the older TU 98 FICO. I've had the balance report all over the place from zero on up and it has never affected EX or EQ FICO scores.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Amex NPSL Question

@armbenderc & cashnocredit,

 

Thanks.  I see that is how it reports on EX and EQ now as the highest balance without the PoT feature for me.

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Amex NPSL Question

Amex charge cards do not effect your util because the CL is n/a.
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Amex NPSL Question

@09Lexie,

 

Thanks.

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).

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