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.
National Association of State Budget Officers report that many states have to limit benefits much like New York. 24 states are cutting Medicaid payments to health care professionals and 20 states are limiting covered services, mandating higher co-payments, or increasing managed care services.