jsickz32 wrote:im chatting online with bofa and they say that the privilege does report the CL
Unfortunately BofA CSR's are not well-versed on the credit reporting topic. From everyone I've heard from, BofA does not report the credit limit of any Visa Signature card.
jsickz32 wrote:
HiLine wrote:I have Visa Signature with them too, and was a little disappointed that the credit limit was not going to be reported. I had two options: convert to a Platinum, or charge a lot of money on the card without paying to build up a high balance. Since I like the added benefits of the Visa Signature, I went the second route and reached the limit, then paid everything off. The intro 0% APR boosted my confidence level even though I ended up not using it, but you may find it helpful for carrying a balance while building a high balance.
what if you buy something expensive just before day your statement ends and then return it after it reports lol
The high balance is as of the end of the day, so you could execute this strategy any time, but remember you'd have to wait for the charge to be reflected on the balance; a pending charge may not count. 
Good luck finding something expensive that's easily returnable. 
---> HiLine's personal finance blog - Follow my journey! 
-Taking a break from the forums from 4/23/2013
HiLine wrote:
jsickz32 wrote:im chatting online with bofa and they say that the privilege does report the CL
Unfortunately BofA CSR's are not well-versed on the credit reporting topic. From everyone I've heard from, BofA does not report the credit limit of any Visa Signature card.
jsickz32 wrote:
HiLine wrote:I have Visa Signature with them too, and was a little disappointed that the credit limit was not going to be reported. I had two options: convert to a Platinum, or charge a lot of money on the card without paying to build up a high balance. Since I like the added benefits of the Visa Signature, I went the second route and reached the limit, then paid everything off. The intro 0% APR boosted my confidence level even though I ended up not using it, but you may find it helpful for carrying a balance while building a high balance.
what if you buy something expensive just before day your statement ends and then return it after it reports lol
The high balance is as of the end of the day, so you could execute this strategy any time, but remember you'd have to wait for the charge to be reflected on the balance; a pending charge may not count.
Good luck finding something expensive that's easily returnable.
for example my kays card....when i got the card i used it to buy a ring, the ring was 4300.00. i made the first payment on that card and the card reported the balance BUT i changed my mind about being engaged and returned the ring lol i mean you have 100 days to return jewerly. now thats my highest balance on my kay card that shows in my report
jsickz32 wrote:i changed my mind about being engaged
Poor guy/girl 
---> HiLine's personal finance blog - Follow my journey!
-Taking a break from the forums from 4/23/2013
jsickz32 wrote:
HiLine wrote:
jsickz32 wrote:i changed my mind about being engaged
im a guy and it was a girl lol i was 20 at the time...anyways im dying here to app for something! i really want that bofa privilege!
I bet you don't. You have enough BofA cards!
---> HiLine's personal finance blog - Follow my journey!
-Taking a break from the forums from 4/23/2013
HiLine wrote:
jsickz32 wrote:
HiLine wrote:
jsickz32 wrote:i changed my mind about being engaged
im a guy and it was a girl lol i was 20 at the time...anyways im dying here to app for something! i really want that bofa privilege!
I bet you don't. You have enough BofA cards!
i asked them if there was a limit to how many cards i could have with them and they said no....i want to at least convert mine to a privilege but i wont get the 0% promo or 100 cash back...im getting the shakes cuz i need to apply for something
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