topic Re: Amex Gold - Credit limit variable - how reported? in Credit Cards

Amex Gold - Credit limit variable - how reported?

C_DUBYA — Sun, 22 Mar 2026 01:07:31 GMT

Hey all,

I just recently grabbed a Amex Gold and noticed the credit limit is variable. MY question is, how is this reported on FICO? Every card I have has a limit, and therefore my utilization is a percentage.

If I use the card for a 2k purchase, and the limit is variable, how is my utilization done?

Re: Amex Gold - Credit limit variable - how reported?

ptatohed — Sun, 22 Mar 2026 03:06:31 GMT

@C_DUBYA wrote:
Hey all,

I just recently grabbed a Amex Gold and noticed the credit limit is variable. MY question is, how is this reported on FICO? Every card I have has a limit, and therefore my utilization is a percentage.

If I use the card for a 2k purchase, and the limit is variable, how is my utilization done?

I apologize for not answering the question asked but, just looking at your signature, my humble advice would be to pay off all existing cc debt before getting new cards (let alone cards with annual fees), and use cash or debit until everything is paid off.

Re: Amex Gold - Credit limit variable - how reported?

pip3man — Sun, 22 Mar 2026 05:09:32 GMT

@C_DUBYA wrote:
Hey all,

I just recently grabbed a Amex Gold and noticed the credit limit is variable. MY question is, how is this reported on FICO? Every card I have has a limit, and therefore my utilization is a percentage.

If I use the card for a 2k purchase, and the limit is variable, how is my utilization done?

The AMEX Gold is a charge card with no preset spending limit. This means the card does not report or gets factored into your overall credit utilization ratio. However, the balance is counted towards your aggregate debt. In other words, a $2k balance would not show a specific utilization. I have attached a screenshot of mine so you can see how it reports.

Re: Amex Gold - Credit limit variable - how reported?

C_DUBYA — Sun, 22 Mar 2026 22:42:57 GMT

Thanks I appreciate it.

Re: Amex Gold - Credit limit variable - how reported?

C_DUBYA — Sun, 22 Mar 2026 22:47:52 GMT

My signature does not in any way address my plan of action regarding credit.

1. I recently received a bonus and an inheritance. My CC limits will be down to 9% across the board in a week. As well as paying off 2 loans.

2. I am closing all small limit cards (except my oldest for time) and leaving just my larger amount cards. This will decrease my number by thousands.

3. While I am closing al the small limit cards I wanted to add a couple large limit cards to outweigh utilization.

4. I travel alot for work. So a point based card is what I wanted.

This AMEX gold was supposed to be a part of that plan, but based on the response from the other reply I might just as quickly close this as I opened it. Since it is not adding anything on the available side.

Re: Amex Gold - Credit limit variable - how reported?

FicoMike0 — Mon, 23 Mar 2026 02:50:07 GMT

You should see a score increase if you get below 9%.

There are a lot of travel cards to choose from. Many have fees. You need to look hard at whether you can get that value back. Many have large subs, if you meet the spend.

As an infrequent traveller, I have usb connect, no fee, and navy flagship, $49, with free prime.

Re: Amex Gold - Credit limit variable - how reported?

Patient957 — Mon, 23 Mar 2026 04:59:28 GMT

@C_DUBYA wrote:
This AMEX gold was supposed to be a part of that plan, but based on the response from the other reply I might just as quickly close this as I opened it. Since it is not adding anything on the available side.

You might want to think twice about closing your Gold card so quickly. It wouldn't be the end of the world, but it could land you in Amex "pop up jail" and affect your ability to get SUBs in the future, especially if you've already earned the SUB on the Gold. Just worth considering.

Re: Amex Gold - Credit limit variable - how reported?

pip3man — Mon, 23 Mar 2026 13:40:55 GMT

@C_DUBYA don't be so quick to close the card cos it just might work perfectly for your credit strategy and here's why. The Gold card does not have or report a credit limit which is a powerful advantage in a certain scenario which I'll share. Take two cards, Amex Gold and Capital One Savor. AMEX Gold with a NPSL whereas the Savor a $10,000 limit. You make a purchase of $9500 on the Gold and the same amount on the Savor. Assuming you let the balances report, the credit utilization on the Savor will be 95% which would surely tank your scores whereas it would be zero on the Gold. So depending on where you spend the most, it may make sense for you to move all your spending to a charge card assuming you're able to pay your balance in full. This way you can avoid showing a high utilization on your regular credit cards while still able to spend and continue paying off your debt at the same time.