Some do not report a CL.
In that case, the high balance will be used. So, until you use it and it reports a high balance, it will be $0.
my American Airlines AMEX is a "no pre-set-spending limit" card and even though it shows the high balance and current balace, the CL never appears and is not included in my Utilization figures anywhere.Message Edited by smo65d11 on 03-21-2009 10:47 AM
I believe certain AmEx cards are not considered revolving credit, so it wouldn't be counted in util.