No idea if the CFA designator is present or not, but I can tell you that I've had a CFA designator on my TU profile for several years (Lending Club and Sofi both used to report that way) and have scores that have ranged during that period between high 700s and low 800s.
It shows up as a reason code for me, but I cannot say that it's ever had any meaningful negative impact.
Also, depending on your CC utilization, the tradeoff may well be very worth it (sometimes a dramatic improvement in score).
Fico8 = EQ 759, TU 780, EX 751 (9/15/2024), INQ in 12 mo: EQ 2, TU 4, EX 5
Cards: NFCU: Flagship VS $45k, Plat $24.3k, Plat $10.7k | Amex: Delta Reserve $50k | Citi: DC WE MC $28.8k | Discover: It $32.5k | Barclays: Juniper $18.25k | USAA: PCR VS $24.5k, RA $10k | UMB: SR VS $15k | PenFed: Path VS $20k, Plat Rew VS $15k | Synchrony: Lowes’s store $25k | Truist: Bright $10.5k, Bright $6.5k | Cap1: Venture1 Plat MC $10.3k, Kohls store $3k | Comenity: MyCash MC $27.5k | Wells Fargo: AC $10.3k | TD Bank: Target MC $6k (Reports as retail card despite now being MC) | BoA: CCR VS $42.5k | Affinity FCU: Premium VS $25k | Others
