Most charge cards also have a feature called No Preset Spending Limit (NPSL). While consumers often take NPSL to mean that their cards are without limits, NPSL really means that a card's limit changes, often from month-to-month, based on factors such as consumer charging and payment history as well overall economic trends. According to a CardHub.com NPSL study, the way NPSL charge cards are reported to the major credit bureaus varies by issuer and can lead to artificial increases in credit utilization, thereby lowering one's FICO Score.[3]