Is a CLOC used in utilization percentage?

[Anonymous]

I have 3 credit cards and 1 CLOC.
USAA AMEX $1950/ $0 balance
NFCU cashreward $10K / $7000 balance
NFCU flagship $12.5K / $1100 balance

CLOC $15K $1900 balance

I would like to pay the 2 cc with the cloc but I want to know if the cloc is considered a cc for utilization purposes?

Meaning if I leave 0$ balance on both cards will the utilization show 0% or 70% due to the Cloc.

Sorry if this is confusing.

Thanks in advance.

[Anonymous]

Answer:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Is-NFCU-CLOC-included-in-CC-utilization/td-p/4...

[Anonymous]

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@Anonymous wrote:
I have 3 credit cards and 1 CLOC.
USAA AMEX $1950/ $0 balance
NFCU cashreward $10K / $7000 balance
NFCU flagship $12.5K / $1100 balance

CLOC $15K $1900 balance

I would like to pay the 2 cc with the cloc but I want to know if the cloc is considered a cc for utilization purposes?

Meaning if I leave 0$ balance on both cards will the utilization show 0% or 70% due to the Cloc.

Sorry if this is confusing.

Thanks in advance.

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The answer to your subject line.

YES