Utilization re: No Preset Spending Limit Cards

[spritezero1017]

Probably a noob question but how do cards such as traditional Amex and other cards that have no preset spending limits count toward your utilization. With no assigned limit are they figured in at all, imputed somehow - or not at all?

Thanks.

[09Lexie]

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@spritezero1017 wrote:
Probably a noob question but how do cards such as traditional Amex and other cards that have no preset spending limits count toward your utilization. With no assigned limit are they figured in at all, imputed somehow - or not at all?

Thanks.

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Amex charge cards are not counted against your util for most scoring models. As far as other NPSL cards if they have a CL, then they will count just like any other rev cc.  Ie CSP it is a flexible spending cc but there is still a CL assigned to the TL. 

[coldnmn]

If they don't report a limit to credit reporting agencies they are not figured into utilization. But a card like my Cash+ reports a limit to credit reporting agencies so utilization is figured in. Even though it's a signature card and can go over preset limit.

[Stralem]

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@spritezero1017 wrote:
Probably a noob question but how do cards such as traditional Amex and other cards that have no preset spending limits count toward your utilization?

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They don't.

However, credit cards with the NPSL feature like many Visa Signature cards still factor into your utilization.