What to Do If Your Credit Card Limit Isn't Reported

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What to Do If Your Credit Card Limit Isn't Reported

This may come as a surprise, but some credit cards don't report a credit limit to the credit bureaus. Charge cards and other credit cards with a "No Preset Spending Limit" feature may not report credit limits. This means that, although your monthly balance is reported, the credit limit is usually reported as blank, open, "not reported" or something along those lines.

Why does this matter?

One of the key components of most credit scores is your open credit card utilization rate, or the ratio of the amount of credit you're using on your cards to the credit you have available. It's generally recommended that you keep your credit card balances less than 30 percent of your total available credit limits. If you have a credit card not that does not report a limit, it could artificially inflate your credit card utilization rate as typically only reported credit limits are taken into account for the calculation. This may lower your credit score and paint you as a riskier borrower to lenders.

What can you do about it?

If you have an unreported credit limit, here are a few options to consider:

  • Request that a credit limit be reported. Call up your credit card issuer's customer service to find out if the issuer might change how it reports your card's credit limit. Some issuers may comply.
  • Open a new credit card account. If your credit card that isn't reporting a limit is one of the few credit accounts in your credit file and you're in a position to take on some additional credit, consider opening a new credit card. Make sure you find the best credit card for you, and research whether the issuer reports your credit limit to the credit bureaus.
  • Decrease usage of the card. While you shouldn't necessarily close your credit card account, it may be wise to use your card less often while still keeping it active in order to lower your overall credit card utilization rate.

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All Comments

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1 Contribution
135 People Helped

Helpful to 135 out of 153 people

AMEX Gold does not have a credit limit.  The credit reporting agency shouold know this.

1 Contribution
20 People Helped

Helpful to 20 out of 22 people

I have an an American Express Platinum card and regularly run up $25,000 or even $30,000 monthly charges.  They are always paid off in full the next month when due.  But I stilll get gitted for high credit utilization when, and Amex Platinum has no limit, and I have never had a late payment.  In fact my card does not have the credit option (because I don't want to ever have to pay interest), since I pay it in full every month.  Why does this show against my credit score?

Reply by

1 Contribution
8 People Helped
Helpful to 8 out of 13 people

For platinum your limit is based on your previous spending and you do have the ability to pay over time...whether you choose to do that is your option.  My Centurion card truly has no limit and must be paid in full each month.

The way i look at it is that if your biggest issue is not having a credit limit, life is good.

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1 Contribution
29 People Helped
Helpful to 29 out of 30 people

I have and Amex Plat. card ALSO and I spend about 20-30k a month for business. My credit score fell 70 pts because of the no limit reported , even though I paid ontime all the time. I did some reseach on our situation and I have good news to report. You need to flip your due date to be your closing date. So if pay your monthly payment by the closing date. Which is also the day they report. It seems like thy would report the day of your due day. So I tried it for the first time last month I basically paid 3 weeks early so instead of reporting at 30k. Amex only reported $155.00. It shot my credit up 30 pts the first month. I hope this helps.

Reply by

1 Contribution
5 People Helped
Helpful to 5 out of 5 people

You have to pay the balance off before your CLOSING BILL DATE aka STATEMENT DATE. Whatever balance you have on that date will be reported. Many people have no idea when its reported, or think its reported by whatever the balance is on your due date.

Reply by

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

Simply make your payment BEFORE the bill prints.  Then, the amount reported to the credit bureaus is basically nearer to zero.  So basically, I know what days all of my bills close out and pay the current balance off, two days before it prints.  Then I make the small, additional payment to  pay it off in full.  It works perfectly.

Reply by

8 Contributions
27 People Helped

Thats because the time when they reported is a certain day once a month only what ever activity. credit service is helpful but not accurate.

1 Contribution
54 People Helped

Helpful to 54 out of 60 people

My American Express card doesn't report a limit; yet they feel the need to send me a letter stating that my "pay over time" balance can't exceed $34,000 in any given billing cycle. Why don't they simply report this as the limit? It's really annoying!

1 Contribution
10 People Helped

Helpful to 10 out of 10 people

AMEX Gold does not have a limit.  It is based on usage and credit worthiness of the caard holder.  This should be known by Equifax, TransUnion, and Experian and not factor into the FICO Score. 

2 Contributions
32 People Helped

Helpful to 32 out of 34 people

I have an American Express Gold Card which used to carry a $25,000 limit.  When I inquired as to why my account no longer indicates a limit, AMEX advised me that based upon my history with them, I no longer have ANY limit.  Your model needs to incorporate this king of information.

1 Contribution
31 People Helped

Helpful to 31 out of 42 people

My Home Prject Credit Card with Wells Fargo is a zero percent card used to finance hurricane windows.  As long as  pay in off in five years I pay zero interest.  Its not fair to count this as credit card utilization as it is really a loan, and is being paid regularly a little more than the required paymnet to be sure it is paid off before  the five yers are up.  If course Wells Fargo only does this hoping I won't pay it off on time.  Got the wrong girl for that!  It should not be negatively impacting my credit score.

Peggy Alcorn

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3 Contributions
14 People Helped
Helpful to 14 out of 15 people

Have you been pulling your real scores off the respository wesites:  Experian, TransUnion and Equifax?  I know it is expensive, but this will provide you with your true scores and how it actually reports.  This website:  CreditKarma is just a tool, not gospel.  Credit Karma has a different criteria as the others.

1 Contribution
3 People Helped

Helpful to 3 out of 3 people

Because there is no limit reported on the American Express cards, the Fico score doesn't consider this balance into the credit utilization and therefore has no effect on the score.  

1 Contribution
6 People Helped

Helpful to 6 out of 6 people

AMEX does not report a credit limit per phone call to AMEX credit dept.

 These credit agencies should know this and work around it.

4 Contributions
39 People Helped

Helpful to 5 out of 5 people

I haven't used my CNFA Firestone card since 2012 and went to use it the other day and they said it was still active but I had to reopen it. They told me my credit limit was raised to $1200 but that it wouldn't show up until I had made 6 months of PAYMENTS. I only used it for a $25 oil change... no need to make 6 months of payments. It just seemed a bit sketchy to me. 

2 Contributions
197 People Helped

Helpful to 181 out of 196 people

I havn't used a Macy's Credit Card in over 12 years, and apparently without my knowledge did I ever realize until I read my credit report with this site. Did I discover that Macy's/FDSB has been reporting zero balance to the credit bureaus for over 12 years. Thanks to this site I will get this cleared up ASAP!

Reply by

1 Contribution
30 People Helped
Helpful to 30 out of 65 people

Ive never had that card

Reply by

1 Contribution
51 People Helped
Helpful to 51 out of 68 people

same for me havent used on about 15 years, but it is reporting $0 limit. On the other hand, this is one of my oldest accounts, and helps my credit by contributing to the age of credit portion. Is that correct?

Reply by

2 Contributions
9 People Helped
Helpful to 9 out of 19 people

the macy,s credit card has been discontinued

Reply by

1 Contribution
4 People Helped
Helpful to 4 out of 10 people

What did you guys do to get this taken care of?  I also have not used this card in at least 10 yrs and am not showing a credit limit.

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