@TrapLine wrote:
@Thomas_Thumb
JP Morgan Chase and US Bank both offer some cards with the Flexible option. Usually show as "Revolving Line of Credit" or "Credit Access Line". Citi Bank has it today called a "Revolving Credit Limit" on some cards. In today's world it is most often seen on the higher tier cards or AF Cards (but not always).
Shows on the monthly card statements.
Thanks.
It appears that flex spend cards report a credit limit and balance just like any other revolving credit card. Therefore, Fico will see an over limit balance reported on a monthly statement and penalize score accordingly.
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
