Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 1,257
Registered: ‎07-18-2009
0 Kudos

Does exceeding CL on siggy/world improve future util?

[ Edited ]

I have these "flexible spending" cards and they report CL/high balance. I noticed that the CL and high balance are combined when these report. What happens if you post a balance > CL? I presume if the high balance exceeded the CL that it would be reported instead of the CL. Once paid down does the high balance continue to report instead of the CL and does that affect FICO util or does FICO use the CL which it presumably has access to even though the numbers are combined on the credit report.


Has anyone delved into the FICO impact of these hybrid (NPSL charge type combined with revolving credit) cards?



CRs from MyFICO seem to report either CL or high balance. I presume flex cards don't report high balance but just CLs.  I suppose the most likely scoring would be to treat flex cards exactly the same as regular revolvers. Anyone know what happens to FICO scores the month a card reports, say if you exceed your CL by 100% or so?


I'm curious because one of the reasons for flex cards is the occasional really large charge perhaps for a vacation or unsusual expense. I haven't needed to do that yet as my limits are pretty high for most purposes but am curious what it would do.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Super Contributor
Posts: 7,534
Registered: ‎12-11-2011
0 Kudos

Re: Does exceeding CL on siggy/world improve future util?

Different lenders report Flexible Spending Accounts differently. Some report the CL (I think cap1 does, I think chase does) some don't (I don't think BoA does..) 


On the ones that DO report the CL, if your high balance goes above your limit it isn't really a big deal because they usually report as a "flexible spending account" as opposed to someone who just goes over their limit frantically. 


If it doesn't report your limit, then I guess it would make your limit look higher than it really is...



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.