If your revolving credit limit is reported and your spending ends up surpassing it as a result of all the encouragement from your credit card company, your credit utilization will reach 100 percent.

FORBES: The Pitfalls of No Pre-Set Spending Limit Credit Cards

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.

FORBES: The Pitfalls of No Pre-Set Spending Limit Credit Cards