cancel
Showing results for 
Search instead for 
Did you mean: 

Amex Gold reporting a credit limit to Experian, but it is NPSL

tag
GoldenloveNY
Frequent Contributor

Amex Gold reporting a credit limit to Experian, but it is NPSL

Anyone experienced this? Experian has a credit limit for my Amex Gold on file, which is my highest balance per statement closing. On top of that, my current balance is showing a ulitization based on that "highest reported balance" and my overall ulitization went up. It affected my Experian report scoring. Yikes. I contacted Amex Credit Reporting Department and they fixed it by calling Experian directly. Strange because it never reported like that since I got the card last summer. In case it happens to anyone else, double check how your charge cards are reporting!

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 1 of 3
2 REPLIES 2
K-in-Boston
Epic Contributor

Re: Amex Gold reporting a credit limit to Experian, but it is NPSL

Even without NPSL, the charge cards shouldn't be reporting a limit.  Sounds like the credit limit field was accidentally populated with the high balance when it got reported rather than being left empty.

Message 2 of 3
Aim_High
Super Contributor

Re: Amex Gold reporting a credit limit to Experian, but it is NPSL

Same thing just happened on my Gold card. I should probably call also. I was surprised to see that but it doesn't appear to have affected my Experian scores so far.


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.