What's up with this??

[StartingLifeOver]

My newly opened CC accts are reporting balances but not the limits. In the notes from my SW alert, they say "Amount in H/C column is credit limit". What exactly does this mean and how do I get them to report my limits? I am rebuilding and this cannot be helping at all.

[awdsmama]

---

@luvmeirahbug wrote:
My newly opened CC accts are reporting balances but not the limits. In the notes from my SW alert, they say "Amount in H/C column is credit limit". What exactly does this mean and how do I get them to report my limits? I am rebuilding and this cannot be helping at all.

---

What is your limit on the cards and what are the amounts in the balance columns?

[linux007969]

---

@luvmeirahbug wrote:
My newly opened CC accts are reporting balances but not the limits. In the notes from my SW alert, they say "Amount in H/C column is credit limit". What exactly does this mean and how do I get them to report my limits? I am rebuilding and this cannot be helping at all.

---

Is it a Visa Siggy? Not all lenders report the limits on a Visa Siggy account.

[Phizzle]

This is actually pretty common depending on the monitoring service you are using. Have you checked your reports? They may actually be showing up on the report.

Also, as the poster above stated, some creditors don't report CL on Signature cards.

[StartingLifeOver]

No, , no Visa Siggy's here!  I wish I had that problem! 

FNBO $2300 limit-$393 balance reported (will be PIF in about two weeks)

NFCU cash rewards $500 limit-105 last reported.  (Bal now PIF).  

I received notifications from ProtectMyID.COM (EX) and ScoreWatch (EQ) and neither had the limits reported.  I just pulled my reports about a month and a half ago, so I'd rather not pay to pull them again, if it isn't necessary.  I'll check CreditKarma for TU and see what that says.  

[Phizzle]

One additional thing you can do is call the creditors to confirm they are reporting the limits (since you'd rather not pull reports).

If they are not Signature, chances are the limits are being reported. The alerts I receive often do not show the limits, but when I check my reports, they are reported. I wouldn't sweat it. ;-)

[enharu]

call the banks to report a balance if they're not. they can do it even if they try to beat around the bush saying they can't.

it might also be the monitoring service you are using.

other than that the only reason a limit isn't reported is when your card is a charge card, or its a visa signature or world mastercard or any card with no set spending limit.

[Burned2manybridgesB4]

OP, I've had this happen on more than one occasion. It'll correct itself out by the 3rd months reported statements to the CRAs. Check your reports then.

[StartingLifeOver]

That's a relief to know. Not knowing what "H/C" was is what really worried me. I thought my score might tank bc of the util. I checked CreditKarma and the limits were there. I guess I can stop panicking now. Thank u all so much!