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Valued Member
Maclover
Posts: 35
Registered: ‎12-15-2008

Another "how does a CC report" question.

Hello,

 

Just got auto upgraded to the Citi Platinum Select World Mastercard.  Anybody know how this reports?  My BofA World Card reports the credit limit and my US Bank Visa Signature reports the limit so I was wondering the same about the Citicard.

 

Thanks in advance.

Frequent Contributor
ArisGreek
Posts: 477
Registered: ‎09-24-2010

Re: Another "how does a CC report" question.

It varies. Some world cards seem to report a credit limit and some do not. My Citi AA World MC does not report a balance. I was approved for the Chase Continental OnePass Plus World MC and I won't know if it reports for a month or two.

===========
TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Moderator Emeritus
fused
Posts: 16,256
Registered: ‎03-12-2007

Re: Another "how does a CC report" question.

 


Maclover wrote:

Hello,

 

Just got auto upgraded to the Citi Platinum Select World Mastercard.  Anybody know how this reports?  My BofA World Card reports the credit limit and my US Bank Visa Signature reports the limit so I was wondering the same about the Citicard.

 

Thanks in advance.


 

I have the same CC. Here's how its reporting on all three of my CRs:

 

EQ: reporting the CL, but not a high balance

EX: no CL or high balance is reporting

TU: no CL or high balance is reporting

 

When any CC doesn't report a CL, FICO scoring then looks for a high balance. If a CC doesn't report a CL and a high balance, the CC will not factor in FICO utilization scoring calculations.

Credit Cards:
Amex BCP 25K ~ Amex Clear 25K ~ Amex Platinum NPSL ~ Chase Freedom Visa 19.3K ~ CITI Dividend World Mastercard 20.3K ~ FIA Fidelity Investments Platinum Plus Visa 40K ~ First Hawaiian Bank Gold Visa 10K

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