I just realized that Cap 1 and one my dept store cards do not report CL's. That space on the CR's is left blank or says N/A. I've read that Cap 1 just doesn't report it. Anyone know how this factors in the mystery of FICO scoring? Here I thought my dept store card (high limit) was helping me.
Not sure if FICO uses high limit if CL is empty/zero or not. I would guess not. Hence I don't worry too much about the CL on my Cap1 card.