@bmd0224 wrote:Just an update, my EX Fico per Amex was 708 when they approved me for the Zync with NPSL and just received my Gold Delta Amex and it had a CL of $6300. Hard work has paid off for sure!!
Good for you! Congrats, and welcome to the Amex family. 
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Congrats bmd0224! That's great.
(minor thread-jack) Does anyone know how NPSL cards are calculated in FICO scoring regarding utilization?
@Movin_on_up wrote:Congrats bmd0224! That's great.
(minor thread-jack) Does anyone know how NPSL cards are calculated in FICO scoring regarding utilization?
npsl is not what matters. Term is what matters. If term is 1 month like Amexcharge cards are, then util calculations ignore balance but ding you for having a card with any balance. If term is revolving, then calculated like other cards if limit is reported or uses high balance as limit for util calculations.
Congrats! Nice cards!
FICO 8: 
Goal: Gardening!
Goal: Gardening!
Always a good feeling to get those primes
