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Credit Card Utilization %

Established Member

Credit Card Utilization %

Mine is really high because I have a BOA Visa Signature card which has no credit limit.  They report n/a under credit limit on my credit report.  So, my total available credit limit is only a sum of my other two cards.  I've contacted BOA and they say that is their standard reporting information similar to a generic AMEX card.  How do you guys handle this? My utilization seems high when in reality it isn't.  Thanks.




Starting Score: 570
Current Score: 604
Goal Score: 740+


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4 REPLIES
Established Contributor

Re: Credit Card Utilization %

Keep asking, all cards have a limit.  otherwise I assume either the standard $500-1000 is your credit limit.  They say don't utilize more than 9%.


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

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Regular Contributor

Re: Credit Card Utilization %

If it is a sig then typically the cli is 5k.
TU 746 (10/13)
GOAL: 750+






Moderator Emeritus

Re: Credit Card Utilization %

Cards without hard limits are generally categorized into another category.  Where are you getting your scores?  FAKOs don't factor the same as FICO.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Established Member

Re: Credit Card Utilization %

You're right BOA said it was 5k but very loose. I can go way over w/o an issue.  And I'm very embarrased to say I got my credit Utilization score from Credit Karma.  Yes, I'm now a cheapskate. Smiley Happy




Starting Score: 570
Current Score: 604
Goal Score: 740+


Take the FICO Fitness Challenge