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Established Contributor
Posts: 527
Registered: ‎11-29-2007
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BOA World MC with WorldPoints - CL reporting?

I'm considering converting my plain vanilla BOA Platinum MC to the BOA World MC with WorldPoints.

 

However, I seem to recall some doubt about whether this card reports it's credit line or not.  Some seemed to say, like a Visa Signature card, that it doesn't.

 

Can anyone who holds this card confirm one way or another?

 

Thanks!

4/25: TU 793, EQ 791, EX ?
Goal: 800s by 12/09
Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
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Re: BOA World MC with WorldPoints - CL reporting?

[ Edited ]
I have the Visa Signature World Points card and it reports to all 4 CRA's. 
Message Edited by DI on 12-12-2009 10:39 AM
Established Contributor
Posts: 527
Registered: ‎11-29-2007
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Re: BOA World MC with WorldPoints - CL reporting?

Sorry, maybe I wasn't clear.
 
I meant to ask if the Worldpoints MasterCard reports the credit limit correctly.
 
I have the Visa Signature World Points and, while it reports to all credit agencies correctly, the credit limit doesn't show up because it is a 'fexible spending' card with no hard upper limit.
 
I was wondering if the WorldPoints MasterCard had the same drawback.
4/25: TU 793, EQ 791, EX ?
Goal: 800s by 12/09
Regular Contributor
Posts: 220
Registered: ‎11-16-2007
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Re: BOA World MC with WorldPoints - CL reporting?

My BofA signature card reports the Credit limit only on EX - not on EQ or TU (it used to be a Pat plus World points and at that time it did report the credit limit on aall three)

 

My (other) Worldpoints card DOES report it's Credit limit on all three

 

Both of them are Visa's, I can't imagine that would make a difference, but ya never know...

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: BOA World MC with WorldPoints - CL reporting?


watchnerd wrote:
Sorry, maybe I wasn't clear.
 
I meant to ask if the Worldpoints MasterCard reports the credit limit correctly.
 
I have the Visa Signature World Points and, while it reports to all credit agencies correctly, the credit limit doesn't show up because it is a 'fexible spending' card with no hard upper limit.
 
I was wondering if the WorldPoints MasterCard had the same drawback.


Yes, the WorldPoints MC reports the CL, as long as it says Platinum or Platinum Plus.

One of the confusing things about all this is that BofA especially offers Visa/ World and regular versions of many of their cards.

But WorldPoints doesn't automatically mean World.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 527
Registered: ‎11-29-2007
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Re: BOA World MC with WorldPoints - CL reporting?

Okay, the card I'm referring to is this one, the 'World MasterCard Creditcard with WorldPoints':

 

https://www.bankofamerica.com/credit-cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM0908AMC00506700113820EN000|2019193|5Q

 

So it sounds like because it is a 'World' MasterCard, it won't report the CL correctly?

 

 

4/25: TU 793, EQ 791, EX ?
Goal: 800s by 12/09
Established Contributor
Posts: 565
Registered: ‎02-21-2008
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Re: BOA World MC with WorldPoints - CL reporting?

I've had the BOFA WORLD MC since Feb 2004. It has always reported the limit to all three agencies.This is from TU

Credit Card Credit Card Bank Of America
Status as of [?] Nov, 2009
Date opened [?] Feb, 2004
Date of last activity [?] Nov, 2009
Date paid out [?] Not Reported
Date closed [?] Not Reported
Account number [?] XXXX
Loan type [?] Credit Card
Credit limit [?] $67,500
Largest past balance [?] $33,025
Terms [?] MIN
Account Type [?] Revolving Account
Account holder [?] Individual Account
Scheduled payment amount [?] $47

Equifax
Credit Card Credit Card Bk Of Amer
Status as of [?] Nov, 2009
Date opened [?] Feb, 2004
Date of last activity [?] Nov, 2009
Date closed [?] Not Reported
Account number [?] Not Reported
Loan type [?] Not Reported
Credit limit [?] $67,500
Largest past balance [?] Not Reported
Terms [?] Not Reported
Account Type [?] Revolving
Account holder [?] Individual
Scheduled payment amount [?] $47

Experian

BANK OF AMERICA

Address:
PO BOX 17054
WILMINGTON, DE 19850
(800) 421-2110 Account Number:


Address Identification Number:


Status:
Open/Never late.


Date Opened:
02/2004
Date of Status:
12/2009
Reported Since:
03/2004
Last Reported Date:
12/2009


Type:
Revolving
Terms:
N/A
Monthly Payment:
$44
Responsibility:
Individual


Credit Limit:
$67,500
High Balance:
$33,025
Recent Balance:
$3,836



Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: BOA World MC with WorldPoints - CL reporting?


watchnerd wrote:

Okay, the card I'm referring to is this one, the 'World MasterCard Creditcard with WorldPoints':

 

https://www.bankofamerica.com/credit-cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM0908AMC00506700113820EN000|2019193|5Q

 

So it sounds like because it is a 'World' MasterCard, it won't report the CL correctly?

 

 



Check your reports, whether from myFICO or elsewhere.

Look for "Account Type."

If it shows as "revolving," it reports in the normal fashion.

If it shows as "open," the CL reporting is screwed up.

This should hold true for all three reports.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 527
Registered: ‎11-29-2007
0

Re: BOA World MC with WorldPoints - CL reporting?

"Check your reports, whether from myFICO or elsewhere."

 

HTSU,

 

I can't do this, as I don't have the card (yet).

 

If you read the first posting, I'm thinking of doing a product change.

 

Thus, I'm hoping to get data from those who already have the card.

4/25: TU 793, EQ 791, EX ?
Goal: 800s by 12/09
Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
0

Re: BOA World MC with WorldPoints - CL reporting?

My Platinum Plus WorldPoints MC reports my credit line.  As long as it is not a Signature card, you have nothing to worry about.

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