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I've had my NFCU CLOC opened since 06/2017 and have used it 3'xs to the full 15K and still has never reported to any of the 3 CRA's. I left a balance of $14, 671 on the account for 60 days to see if it would report...never did. I think it may be a glitch in their system. I also have a CR Visa ($11,200) and Platinum ($12,300) and they both reported within 60 days. I was thinking about calling them to inquire, but like the fact it isn't reporting in case of an emergency. I have 1% UTL across the board so it it reports...no big deal.