by on ‎06-30-2012 11:48 PM

adlerman, most all FICO versions out there completely ignore charge cards like your Amex Gold, or a Green, Plat., etc., when it comes to calculating CC util. The only slightly used FICO version that includes these cards into CC util is the same TU FICO version as found here on myFICO. In that version, the balance and "high balance" are used to calculate into your FICO. This version is seldom used by lenders.