Frequent Contributor
Posts: 368
Registered: ‎02-07-2008

Re: Flexible spending credit card????

My Nordstrom Signature Visa started reporting my CL ($5,000) as of February. I carried a small balance for the first time, and thought maybe that was the reason. CK even shows it as "other". But I did notice that it shows on reports as Flexible Spending Credit Card. Ok, so now I have more total CL reported, and anyone who looks can see I've used very little of my available credit.


I think this is a good thing. The benefits of a Signature, and a reported CL.



"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008

Re: Flexible spending credit card????

minimock wrote:

What is up with this? I got my brand new BOA signature visa with a $8000 CL. It shows up on my CR as a "Flexible spending credit card"


With a big fat 0 on the CL line?


After careful consideration, I have come to the healthy conclusion that this cant be any good for ye ole FICO score.


Anyone else ever see this? 

I have the same card with a $7000 CL.  I did a product change to the BOA AMEX Accelerated card.  That should get the credit line to report to the CRAs.

Frequent Contributor
Posts: 445
Registered: ‎10-23-2010

Re: Flexible spending credit card????

Well. i dont think I would have got the signature except I have a checking, savings, 401k and a brokerage account with them, and all my baddies expired at the same time leaving me a clean slate and a decent score.


Thanks for the input.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014

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Frequent Contributor
Posts: 485
Registered: ‎02-17-2008

Re: Flexible spending credit card????

My think was that if the CL did not report they used highest usage as your CL.

Starting Score: 744
Current Score: 744
Goal Score: 800

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Established Contributor
Posts: 707
Registered: ‎08-14-2008

Re: Flexible spending credit card????


crosbyk1 wrote:

My think was that if the CL did not report they used highest usage as your CL.

That is what the NPSL cards do.  I usually pay mine off before the statement cuts but I accidentally let one post a balance one month and my score took a 20 point hit as the card looked maxed out.  The next month when it showed paid off it rebounded back plus it's only temporary.


CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 24.5k, Discover 11.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, Capital One QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 12k, Sams MC 15k
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