Approved - BankAmericard Cash Rewards Visa Signature

[MakeItAMudLight]

I got the initial 30 day message.  Called this morning and after some verification questions I was approved for a 5,000 CL.  I was wondering though are all Visa Signature cars the same?  I asked her about the no PSL and such and she didn't seem to know what I was talking about.   The features she gace me sounded like a regular Platinum card.  Can anyone in else chime in and tellme about their experiences with this card?

[RockinRay]

Awesome - great recon! 

Congrats and nice credit line.

Ray

[DI]

---

@MakeItAMudLight wrote:

I got the initial 30 day message.  Called this morning and after some verification questions I was approved for a 5,000 CL.  I was wondering though are all Visa Signature cars the same?  I asked her about the no PSL and such and she didn't seem to know what I was talking about.   The features she gace me sounded like a regular Platinum card.  Can anyone in else chime in and tellme about their experiences with this card?

---

Congrats and remember the signature cards credit lines are not reported to the CRAs. 

[MakeItAMudLight]

---

@DI wrote:

---

@MakeItAMudLight wrote:

I got the initial 30 day message.  Called this morning and after some verification questions I was approved for a 5,000 CL.  I was wondering though are all Visa Signature cars the same?  I asked her about the no PSL and such and she didn't seem to know what I was talking about.   The features she gave me sounded like a regular Platinum card.  Can anyone in else chime in and tell me about their experiences with this card?

---

Congrats and remember the signature cards credit lines are not reported to the CRAs. 

---

I'm also curious about this?  I've searched and read many posts and it seems some people's report but some don't?  Will that have a negative effective on my score?  My utilization is low now so I don't necessarily need the credit line but it would be nice!

[DI]

---

@MakeItAMudLight wrote:

---

@DI wrote:

---

@MakeItAMudLight wrote:

I got the initial 30 day message.  Called this morning and after some verification questions I was approved for a 5,000 CL.  I was wondering though are all Visa Signature cars the same?  I asked her about the no PSL and such and she didn't seem to know what I was talking about.   The features she gave me sounded like a regular Platinum card.  Can anyone in else chime in and tell me about their experiences with this card?

---

Congrats and remember the signature cards credit lines are not reported to the CRAs. 

---

I'm also curious about this?  I've searched and read many posts and it seems some people's report but some don't?  Will that have a negative effective on my score?  My utilization is low now so I don't necessarily need the credit line but it would be nice!

---

BOA signature credit lines are not reported.  If you keep your utilization low you have no worries.  I converted my Signature card to the BOA AMEX.  I like seeing the credit line appearing on my credit reports for some reason. 

[MakeItAMudLight]

---

@DI wrote:

---

@MakeItAMudLight wrote:

---

@DI wrote:

---

@MakeItAMudLight wrote:

I got the initial 30 day message.  Called this morning and after some verification questions I was approved for a 5,000 CL.  I was wondering though are all Visa Signature cars the same?  I asked her about the no PSL and such and she didn't seem to know what I was talking about.   The features she gave me sounded like a regular Platinum card.  Can anyone in else chime in and tell me about their experiences with this card?

---

Congrats and remember the signature cards credit lines are not reported to the CRAs. 

---

I'm also curious about this?  I've searched and read many posts and it seems some people's report but some don't?  Will that have a negative effective on my score?  My utilization is low now so I don't necessarily need the credit line but it would be nice!

---

BOA signature credit lines are not reported.  If you keep your utilization low you have no worries.  I converted my Signature card to the BOA AMEX.  I like seeing the credit line appearing on my credit reports for some reason. 

---

So if I ever carry a balance on this card, or don't PIF before the statement cuts, will it eat into my other CLs?

[sjhill42]

I received my card last week (15K) and is already reporting to all three, does not report limit....reports as flexible spending account.

[minimock]

I have a 10K BOA Signature. It does not report CL, however it will use the highest balance as the CL in the utilization calculation. I have only had a 3k balance report.

So it uses 3K as my limit. 

[Anonymous]

Same here. Applied over the weekend and got the 30 day message. Called this morning, they put me on hold for a few minutes, came back and told me I was approved! Apparently the 30 day message is pretty standard with BOA.

[MakeItAMudLight]

For those wondering it looks like they pulled Ex on the initial app and then pulled TU when I called in.