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Contributor
Posts: 148
Registered: ‎03-14-2013
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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
Posts: 1,863
Registered: ‎09-20-2011
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Re: BOA Cash Rewards

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

Established Contributor
Posts: 726
Registered: ‎05-12-2012
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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.


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Posts: 4,875
Registered: ‎11-02-2010
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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)
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Posts: 4,708
Registered: ‎11-13-2012
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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:

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Last app 01/15/2015
Contributor
Posts: 148
Registered: ‎03-14-2013
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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
Posts: 120
Registered: ‎03-14-2013
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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
Posts: 1,465
Registered: ‎08-30-2011
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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. 

Diners Club Premier MasterCard $50K / 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 = 818 EQ = 822 TU = 830 - 01/2015
Established Contributor
Posts: 554
Registered: ‎09-28-2012
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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
Posts: 1,465
Registered: ‎08-30-2011
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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. 

Diners Club Premier MasterCard $50K / 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 = 818 EQ = 822 TU = 830 - 01/2015
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