Largest CL that still counts towards UTL

[Marcos8]

Hello all. Just inquiring if there is any current info as to credit limits that still count towards revolving utilization? Penfed is offering me another card which I am considering just adding the limit to my current card instead of opening a new one. Any thoughts on what the boundaries are currently? Thanks

[FinStar]

If you are approved by PenFed it will count.  Their max exposure across all CCs is $50K. 

Something to keep in mind about PenFed's recent policies was a cap of $25K being placed on recent CLIs or reallocations.  You'll have to check with them to see whether that's still viable.  Nonetheless, even if $50K was possible, it would still factor into the FICO utilization formulas.

I have not tested any recent DPs as far as which FICO version excludes specific revolving tradelines, but at one point, anything north of $70K (single revolver) was excluded in the older versions.   A few that I have above $100K were excluded the last time I checked. 

[Marcos8]

The CLI would take me to just shy of 50k on a single revolver with them.

[K-in-Boston]

I can confirm that my $50k Delta Reserve is still completely factored in.  There's a lot going on with my balances and profile, but I'm trying to figure out if $99.9k and $90k BOA cards are factoring in or not, but it'll be a few months before I can confirm for sure.

[Meanmchine]

---

@FinStar wrote:

If you are approved by PenFed it will count.  Their max exposure across all CCs is $50K. 

Something to keep in mind about PenFed's recent policies was a cap of $25K being placed on recent CLIs or reallocations.  You'll have to check with them to see whether that's still viable.  Nonetheless, even if $50K was possible, it would still factor into the FICO utilization formulas.

I have not tested any recent DPs as far as which FICO version excludes specific revolving tradelines, but at one point, anything north of $70K (single revolver) was excluded in the older versions.   A few that I have above $100K were excluded the last time I checked. 

---

I should be so cursed

[Cred4All]

---

@K-in-Boston wrote:

I can confirm that my $50k Delta Reserve is still completely factored in.  There's a lot going on with my balances and profile, but I'm trying to figure out if $99.9k and $90k BOA cards are factoring in or not, but it'll be a few months before I can confirm for sure.

---

I just did the math on my reported balances, with my $75k BOA limit as well to be sure.  I'm confident my BOA is still factored in, otherwise my numbers would be drastically different as to what's reported currently to the 3 bureaus.  

[K-in-Boston]

---

@Cred4All wrote:

---

@K-in-Boston wrote:

I can confirm that my $50k Delta Reserve is still completely factored in.  There's a lot going on with my balances and profile, but I'm trying to figure out if $99.9k and $90k BOA cards are factoring in or not, but it'll be a few months before I can confirm for sure.

---

I just did the math on my reported balances, with my $75k BOA limit as well to be sure.  I'm confident my BOA is still factored in, otherwise my numbers would be drastically different as to what's reported currently to the 3 bureaus.  

---

The balances and limits definitely are reported and display on the front-end of whatever you're looking at, but I'm not 100% convinced they still factor into the actual scoring.  I've never been able to time it perfectly when a new large balance posts after being at $0 while other things weren't also changing pretty drastically.  In a perfect world, I could just use a $90k card as my "one" in an All Zero Except One scenario and see if I lose points, but unfortunately I am not in a position to do so.

Edit: It didn't take place in a vacuum as a few other balances changed but due to BT shuffling, this might be a pertinent DP since I didn't lose anything:

[SouthJamaica]

---

@Marcos8 wrote:

Hello all. Just inquiring if there is any current info as to credit limits that still count towards revolving utilization? Penfed is offering me another card which I am considering just adding the limit to my current card instead of opening a new one. Any thoughts on what the boundaries are currently? Thanks

---

With PenFed you don't have to worry about it. The highest card limit they give now is 25k, with a total combined credit card limit cap of 50k. So you won't get anywhere near the stratospheric 50 to 75k limits that MIGHT not count for utilization [nobody here seems to really know where that stratosphere begins].

[Anonymous]

It’s my understanding EX2 has a cut off somewhere between $26,000-$29000. And that EQ5 and TU4 cut off at $35,000.

@FinStar Which older versions have a cut off at $70,000?

[FinStar]

---

@Anonymous wrote:
It’s my understanding EX2 has a cut off somewhere between $26,000-$29000. And that EQ5 and TU4 cut off at $35,000.

@FinStarWhich older versions have a cut off at $70,000?

---

Honestly, I can't recall exactly since it's been a while back.  But, I think there was a thread about that topic that either CreditGuyinDixie and/or Thomas_Thumb had discussed.