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%UTIL with NPSL ?

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n777ua
Established Contributor
‎01-01-2014 04:35 PM
‎01-01-2014 04:35 PM

%UTIL with NPSL ?

I might be overthinking this one, but how do you determine your UTIL when you have a NPSL card in your portfolio ? I wanted to figure my AMEX and overall UTIL tonight and I'm not sure what to put for this . . . 

About $215,000 total credit among 11 cards
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longtime_lurker
Valued Contributor
‎01-01-2014 05:59 PM
‎01-01-2014 05:59 PM

Re: %UTIL with NPSL ?

bump because I'm interested too.

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
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LearningMoreAboutCredit
Frequent Contributor
‎01-01-2014 08:17 PM
‎01-01-2014 08:17 PM

Re: %UTIL with NPSL ?

@n777ua wrote:

I might be overthinking this one, but how do you determine your UTIL when you have a NPSL card in your portfolio ? I wanted to figure my AMEX and overall UTIL tonight and I'm not sure what to put for this . . . 

I was under the impression that "high balance" was used to factor utilization but someone with a NPSL card can chime in.  Some NPSL will also report a CL limit.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
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takeshi74
Senior Contributor
‎01-02-2014 06:45 AM
‎01-02-2014 06:45 AM

Re: %UTIL with NPSL ?

IIRC they don't affect utilization on current scoring models but I'd recommend validating and corroborating.  Here are some myFICO threads on the matter:

https://www.google.com/search?q=fico+charge+card+utilization+site:ficoforums.myfico.com&rlz=1C1CHKZ_...

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