Metro 2 Account Type Code 0G: Flexible-Spending Credit Card (No Preset Limit)

Specification

Code	0G
Meaning	Flexible-Spending Credit Card (No Preset Limit)
Field	Account Type (Field 15)
Record	Base Segment
Length / position	2 chars · 84–85
Category	Revolving Accounts
CRRG reference	CRRG Exhibits 1 & 2 (Account Type Codes)

Defined by the absence of a preset limit. The issuer evaluates spending capacity dynamically instead of publishing a fixed line.
Reported as Portfolio Type R (Revolving) even though there is no preset limit, which creates the central reporting tension in this code.
Does NOT mean unlimited credit. It means no preset limit, which is a different statement and one worth getting right in consumer-facing explanations.
Does NOT cover a standard bankcard with a limit that happens to be raised often. If a limit is published to the consumer, the account is 18.
The classic case is a premium charge card where the balance is expected to be paid in full but flexible-spending features let some balances revolve.

1An issuer reports a premium no-preset-limit charge card carried by a high-spending consumer.
2An issuer reports a small-business card in the consumer's name with dynamic spending power rather than a fixed line.
3A card issuer reports an account where a portion of large purchases can be paid over time while the rest is due in full.
4An issuer reports a no-preset-limit card the consumer has held for fifteen years, where the age of the tradeline is the main value to the consumer.

Do not fabricate a Credit Limit. Inventing a number so a validator stops complaining creates a false utilization signal on the consumer's file.
Report Highest Credit accurately and keep it current, since it is the only capacity anchor available on a no-preset-limit account.
Use 18 when the product actually has a published limit, even a frequently adjusted one.
Report the amount due in Scheduled Monthly Payment consistently with the product's payment terms.
Do not switch an account between 0G and 18 as the issuer's internal limit logic changes. Consumers see the change as a new product.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 0G has to satisfy.

Portfolio Type must be R (Revolving). Terms Duration is reported as REV, not as a month count.
Portfolio Type R normally expects a Credit Limit, and 0G is the deliberate exception: there is no preset limit to report, so the field is not populated with a real line. This is exactly why the code exists as a separate account type.
Because Credit Limit is absent, Highest Credit carries the whole burden of describing capacity. A zero or stale Highest Credit on a 0G tradeline leaves scoring models with nothing.
Current Balance exceeding Highest Credit is normal on this product, not a data error, since a new high simply resets Highest Credit.
Terms Frequency is M on a monthly-billed card.
Authorized users are carried in ECOA and the J1 or J2 segment, which matters here because premium cards commonly carry several.