"Additionally, since your 'daily use' card is one of the cards apparently doesn't report a credit limit, for 2 - 3 months before you go to apply for the mortgage, until after you close on the house, you should consider using a different card for much/all of your daily use. This is because for cards that don't report a limit, credit scoring algorithms often look at the maximum spend in the last 1 - 2 years, and use that as a proxy for the credit limit. So even if you are only spending your typical amount each month, you could show a very high utiliztion on that particular card, which could drop your credit score significantly."

so because the card reports "no limit" -- any spending on that is viewed with a zero in that calculation? you'd think they would assign a ratio number of infinity or at least $100K or something much higher than a fixed limit card. that is kind of odd, but nevertheless it's exactly the kind of info I would expect to find here and pretty much nowhere else.

thanks AJ and happy new year!