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I consolidated BOA credit lines, problem is, now they are not reporting a limit, only a FSA notation with a revolving account type. My high balance is only half of my CL, I usually pre pay so my balances never get very high. Does FICO disregard util on these type of accounts, or does it use the high balance as the limit and base util off of that? I was planning a trip this fall and wanted to put airline tickets on it but I may use a card that reports the limit instead.
I pulled all 3 reports at different times a month or two ago, the limits showed. After the account updates, the 3 bureaus don't show any limits now. Just wondering how util will be effected, I have a couple new accounts and don't want them to see high util on one card.