https://ficoforums.myfico.com/t5/Credit-Cards/Expanding-my-knowledge/m-p/839534#M248728 <P>If the CC does not report the CL to the CRAs then that will hurt your utilization which will hurt your score. For my Visa Signature card they have been using my high balance as my CL since it is not reported which made my utilization much higher than it actually is. I would stay away unless you just want the rewards that they offer and don't care about your FICO score.</P> Wed, 09 Feb 2011 16:39:21 GMT mclaughh 2011-02-09T16:39:21Z https://ficoforums.myfico.com/t5/Credit-Cards/Expanding-my-knowledge/m-p/839510#M248721 <P>Whats the difference between a CC with a CL and CC that does not?&nbsp; Revolving credit..... Im really not sure the correct terms for this.&nbsp; &nbsp;Does it help or hurt when they report to the Credit agency's.</P><P>&nbsp;</P><P>And my second question is Visa signature? What does that mean. Is it a good thing.&nbsp; Just really trying to expand my knowledge.</P> Wed, 09 Feb 2011 16:20:52 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Expanding-my-knowledge/m-p/839510#M248721 Anonymous 2011-02-09T16:20:52Z https://ficoforums.myfico.com/t5/Credit-Cards/Expanding-my-knowledge/m-p/839534#M248728 <P>If the CC does not report the CL to the CRAs then that will hurt your utilization which will hurt your score. For my Visa Signature card they have been using my high balance as my CL since it is not reported which made my utilization much higher than it actually is. I would stay away unless you just want the rewards that they offer and don't care about your FICO score.</P> Wed, 09 Feb 2011 16:39:21 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Expanding-my-knowledge/m-p/839534#M248728 mclaughh 2011-02-09T16:39:21Z