According to a recent CardHub.com study, in the absence of a true credit limit, issuers report to credit bureaus either the highest balance reached with an NPSL card over a certain period of time or its revolving credit limit for the determination of credit utilization.

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If you are carrying a balance of more than 50% on one card and are going in for a credit report, it may be better to split up the balance between two cards.

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