Reply
New Contributor
Blurbz
Posts: 115
Registered: ‎03-14-2013
0

BOA Cash Rewards

Does anyone know for sure whether boa cash rewards reports or doesn't report a CL to the three bureaus? I've seen conflicting info and it makes a big difference to me in deciding whether to apply or not....
Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: BOA Cash Rewards

Regular will.  Signature may or may not, seems BOA is typically the latter.

Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012
0

Re: BOA Cash Rewards


boomhower wrote:

Regular will.  Signature may or may not, seems BOA is typically the latter.


+1 I have the regular BOA Cash Rewards card and it reports every month to EX,EQ and TU and reports the credit line.  But I'm pretty sure the signature version does not report a credit line.


border="0" align="left" width="450" height="90">
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: BOA Cash Rewards

I have a Signature and it doesn't report the CL. Otherwise, I love it.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
lg8302ch
Posts: 2,795
Registered: ‎11-13-2012
0

Re: BOA Cash Rewards

I have both cards 1 Platinum Plus which does report the CL and 1 Signature version that does NOT report the CL. Hope this helps :smileyhappy:

FICO® EQ 788 (as of today) - TU 767 (09/28) * Fako EX 789 (09/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

New Contributor
Blurbz
Posts: 115
Registered: ‎03-14-2013
0

Re: BOA Cash Rewards

Thanks for the replies!  Definitely disappointing to me:  I already have a PRG and, if I were to add another card, it'd probably be for BOTH the limit/util and cashback.  If BOA only gives me the cashback without reporting a limit to help my util rate, I think I'll pass on it.  

Regular Contributor
bluedog1
Posts: 120
Registered: ‎03-14-2013
0

Re: BOA Cash Rewards

You might want to check if they offer a World Mastercard version. I think they report CLs for that but not Visa Signature.

Valued Contributor
thom02099
Posts: 1,326
Registered: ‎08-30-2011
0

Re: BOA Cash Rewards

[ Edited ]

Blurbz wrote:
Does anyone know for sure whether boa cash rewards reports or doesn't report a CL to the three bureaus? I've seen conflicting info and it makes a big difference to me in deciding whether to apply or not....

I have the Cash Rewards Signature card.  It DOES report a CL, a high balance, and notation of "flexible spending card".  That also shows up on my Merrill Lynch Platinum Plus card as well. 

 

With BofA, it seems to be a true YMMV thing. 

 

EDIT:  Beyond my BofA cards, I have additional Signature Visa cards.  They all show the same thing, including a credit limit/high balance and "flexible spending"...this for my JP Morgan Select card and my Chase Sapphire Preferred. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
Established Contributor
toppers555
Posts: 551
Registered: ‎09-28-2012
0

Re: BOA Cash Rewards


thom02099 wrote:

Blurbz wrote:
Does anyone know for sure whether boa cash rewards reports or doesn't report a CL to the three bureaus? I've seen conflicting info and it makes a big difference to me in deciding whether to apply or not....

I have the Cash Rewards Signature card.  It DOES report a CL, a high balance, and notation of "flexible spending card".  That also shows up on my Merrill Lynch Platinum Plus card as well. 

 

With BofA, it seems to be a true YMMV thing. 

 

EDIT:  Beyond my BofA cards, I have additional Signature Visa cards.  They all show the same thing, including a credit limit/high balance and "flexible spending"...this for my JP Morgan Select card and my Chase Sapphire Preferred. 


Was your siggy always a signature or were you upgrade at some point.  All my CR (besides TU updated to show no limit  about 2 months ago ) show a limit but it is outdated from before i switch to Siggy version.  



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
thom02099
Posts: 1,326
Registered: ‎08-30-2011
0

Re: BOA Cash Rewards


toppers555 wrote:

thom02099 wrote:

Blurbz wrote:
Does anyone know for sure whether boa cash rewards reports or doesn't report a CL to the three bureaus? I've seen conflicting info and it makes a big difference to me in deciding whether to apply or not....

I have the Cash Rewards Signature card.  It DOES report a CL, a high balance, and notation of "flexible spending card".  That also shows up on my Merrill Lynch Platinum Plus card as well. 

 

With BofA, it seems to be a true YMMV thing. 

 

EDIT:  Beyond my BofA cards, I have additional Signature Visa cards.  They all show the same thing, including a credit limit/high balance and "flexible spending"...this for my JP Morgan Select card and my Chase Sapphire Preferred. 


Was your siggy always a signature or were you upgrade at some point.  All my CR (besides TU updated to show no limit  about 2 months ago ) show a limit but it is outdated from before i switch to Siggy version.  


All of them were always Signature Visas. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}