Frequent Contributor
Posts: 338
Registered: ‎02-02-2010

Until calculation on Signature cards

Wondering how FICO scores BOA signature cards with no limit reporting and only a high balance. My high balance is only 1/3 of my total CL. Does FICO use the high balance as the CL and base util off of that or does it disregard util calculations for that card.

AkAir $50k | Freedom $35k | Marriott $32k | AkAir $17k | SPG $15k | Fidelity $10k | Discover $9k | Local CU $8k

TU: 733 / EQ: 717 / EX: 733
Posts: 22,406
Registered: ‎01-17-2008

Re: Until calculation on Signature cards

This is from myFICO blog about NPSL cards and their utilization:


For NPSL accounts reporting as revolving, we'll look at an NPSL account having a credit limit of $10,000, a highest balance of $1,000 and a current balance of $500 – with the $500 current balance being the one thing reported consistently in all examples:


  • When both credit limit and highest balance are reported: utilization = 5% ($500/$10,000)
  • When credit limit is not reported and highest balance is reported: utilization = 50% ($500/$1000)
  • When neither credit limit nor highest balance are reported = account excluded from utilization

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+