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Regular Contributor
TheSpeculator
Posts: 125
Registered: ‎03-21-2013

What's is high Util on charge card?

For example: Zync, Green or Gold Amex, what is considered a high utilization since there is NPSL..

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Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012

Re: What's is high Util on charge card?


TheSpeculator wrote:
For example: Zync, Green or Gold Amex, what is considered a high utilization since there is NPSL..


Except for TU98 (older model of TU Fico score sold on this site), charge card balance is not figired into utilization calculation.   So, it's not worth worrying about as far as your score goes.  For FYI, purpose, TU 98 uses high balance as the 'limit' when calculating util for charge card.


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