TheSpeculator wrote: For example: Zync, Green or Gold Amex, what is considered a high utilization since there is NPSL..
Except for TU98 (older model of TU Fico score sold on this site), charge card balance is not figired into utilization calculation. So, it's not worth worrying about as far as your score goes. For FYI, purpose, TU 98 uses high balance as the 'limit' when calculating util for charge card.
My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11) My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13) DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12) DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)