I have been paying on a Nfm credit account for 5 years. I have well over 1000 available. I tried to purchase a 499 computer online. Shortly after I received a phone call from Nfm credit and she informations me that they would need to pull another credit report to make the purchase. She stayed that available credit does not mean that you can use the amount available. It is their description, even if your credit with them is great.