What is The Limit When A Card Does Not Factor Into Overall Limit

[Anonymous]

I have heard people say when the limit on a card goes past $50k it is not longer factored in calculating your overall limit. I have a discover card with $50.5k limit and has been at this limit for like 3 years and it still counts towards my overall limit.

I guess my concern here is, can I request an increase? If I do and I get an increase to say $60k will it stop counting towards my utilization?

[FinStar]

---

@Anonymous wrote:

I have heard people say when the limit on a card goes past $50k it is not longer factored in calculating your overall limit. I have a discover card with $50.5k limit and has been at this limit for like 3 years and it still counts towards my overall limit.

I guess my concern here is, can I request an increase? If I do and I get an increase to say $60k will it stop counting towards my utilization?

---

Nope.  It won't work.  One of my Discover cards is in the $80K range and it reports.

And, with that high of a limit, do you really want to poke the bear and potentially trigger a 4506C request? 😬  It's unlikely Discover will yield a $10K CLI, but you're welcome to try.

Newer scoring models include any revolving cards in the $50K-$60K range as well. Older scoring models did not factor revolving cards that were around or above the ~$80K threshold, but that figure remained inconclusive based on data points that were reported in the Ultimate FICO Scoring subforum a while back. This was the case (IME) since I have several personal cards above $70K (older models seemed to have excluded utilization, but newer scoring models include it in the metrics) 🤷🏼‍♂️

[Anonymous]

Good to know.... I guess I'll just let sleeping dogs lie

[SoCalGardener]

---

@FinStar wrote:

---

Newer scoring models include any revolving cards in the $50K-$60K range as well. Older scoring models did not factor revolving cards that were around or above the ~$80K threshold, but that figure remained inconclusive based on data points that were reported in the Ultimate FICO Scoring subforum a while back. This was the case (IME) since I have several personal cards above $70K (older models seemed to have excluded utilization, but newer scoring models include it in the metrics) 🤷🏼‍♂️

---

So did they *ignore* the limits altogether, like the account didn't even exist? Or simply anything over ~$80K? In other words, if I had a card with a $100,000 CL (I wish!), did the entire $100,000 get ignored when they added up my TCL, or was it $20,000 that got ignored?

[FinStar]

---

@SoCalGardener wrote:

---

@FinStar wrote:

---

Newer scoring models include any revolving cards in the $50K-$60K range as well. Older scoring models did not factor revolving cards that were around or above the ~$80K threshold, but that figure remained inconclusive based on data points that were reported in the Ultimate FICO Scoring subforum a while back. This was the case (IME) since I have several personal cards above $70K (older models seemed to have excluded utilization, but newer scoring models include it in the metrics) 🤷🏼‍♂️

---

So did they *ignore* the limits altogether, like the account didn't even exist? Or simply anything over ~$80K? In other words, if I had a card with a $100,000 CL (I wish!), did the entire $100,000 get ignored when they added up my TCL, or was it $20,000 that got ignored?

---

Basically, any balances that were on revolving cards with limits >$80K appear to have been excluded from the revolving utilization metrics, almost like the balances were not factored with the rest of the other balances.

I have a couple personal cards with CLs = and > $100K, and one of them, despite a balance that I allowed to report in the ~40% range (I used it for testing purposes because who doesn't love being a GP), it did not incur a scoring penalty in the older models (as far as individual card utilization reporting goes). Interestingly enough, it was still captured in the Highest Balance field (at the time), but I was expecting a decent drop based on the size of the balance. This was a while ago, of course.

If I did that today (similar scenario), it would probably ding F8/F9 as far as individual card reporting metrics go, but for overall utilization, it would only factor into ~2%.

[SoCalGardener]

---

@FinStar wrote:

---

@SoCalGardener wrote:

---

@FinStar wrote:

---

Newer scoring models include any revolving cards in the $50K-$60K range as well. Older scoring models did not factor revolving cards that were around or above the ~$80K threshold, but that figure remained inconclusive based on data points that were reported in the Ultimate FICO Scoring subforum a while back. This was the case (IME) since I have several personal cards above $70K (older models seemed to have excluded utilization, but newer scoring models include it in the metrics) 🤷🏼‍♂️

---

So did they *ignore* the limits altogether, like the account didn't even exist? Or simply anything over ~$80K? In other words, if I had a card with a $100,000 CL (I wish!), did the entire $100,000 get ignored when they added up my TCL, or was it $20,000 that got ignored?

---

Basically, any balances that were on revolving cards with limits >$80K appear to have been excluded from the revolving utilization metrics, almost like the balances were not factored with the rest of the other balances.

I have a couple personal cards with CLs = and > $100K, and one of them, despite a balance that I allowed to report in the ~40% range (I used it for testing purposes because who doesn't love being a GP), it did not incur a scoring penalty in the older models (as far as individual card utilization reporting goes). Interestingly enough, it was still captured in the Highest Balance field (at the time), but I was expecting a decent drop based on the size of the balance. This was a while ago, of course.

If I did that today (similar scenario), it would probably ding F8/F9 as far as individual card reporting metrics go, but for overall utilization, it would only factor into ~2%.

---

Thanks for the explanation, @FinStar. Having never personally owned a card with a CL that high, I knew nothing about this!