BofA Cash Rewards Visa -- CL not reported

[h4ldol]

I just checked my credit report (EX and TU) and saw that my new Bank of America Cash Rewards Signature Visa is being reported as a 'flexible spending' credit card with no CL reported.  Is this the case for this card for other people?  Can I call them to request that they report it as a 'credit card' with a reported CL also?  

[logan_720]

Because most Visa Siggys and World Mastercards allow, in some circumstances, the user to go over the credit limit.

[LS2982]

most do not report CL, but it would be worth a phone call to see if they can!

[haulingthescoreup]

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@h4ldol wrote:

I just checked my credit report (EX and TU) and saw that my new Bank of America Cash Rewards Signature Visa is being reported as a 'flexible spending' credit card with no CL reported.  Is this the case for this card for other people?  Can I call them to request that they report it as a 'credit card' with a reported CL also?  

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Mine reports a CL. It's a World (MC), and they seem a bit more likely to report a CL. Also, mine started out as a regular CC, and when they offered to upgrade to World, I made them pinky-swear that it would continue to report correctly.

I also have a USAA World and a Chase Siggy, and they both report the CL, although that's a fairly recent development with Chase.

[h4ldol]

Thanks for the replies everyone.  I did another search and found this thread which basically states the same:

http://http://ficoforums.myfico.com/t5/Credit-Cards/flexible-spending-credit-card/td-p/817884 (as an aside, I've never seen a message board hyperlink insertion take as long as it does on this site -- yikes!)

How lame of Signature Visa (and I guess World MC) to not report CL.  I'm not sure I would have opened an account had I known.

So if a card does not report a CL, does it have no effect on your utilization at all?  If that's the case, I don't think I'll ever bother requesting a CLI on this card :/

[h4ldol]

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@haulingthescoreup wrote:

Mine reports a CL. It's a World (MC), and they seem a bit more likely to report a CL. Also, mine started out as a regular CC, and when they offered to upgrade to World, I made them pinky-swear that it would continue to report correctly.

I also have a USAA World and a Chase Siggy, and they both report the CL, although that's a fairly recent development with Chase.

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You have a BofA Cash Rewards card that is a World MC instead of Signature Visa?  Wow, I had no idea that the same card could be either Visa or MC.  I think I'll give BofA a call tomorrow to see if they can start reporting a CL.  

Here are some more useful threads I found that help clarify the CL reporting situation with Signature Visa vs World MC:

http://http://ficoforums.myfico.com/t5/Credit-Cards/flexible-spending-credit-card/td-p/817884

http://http://ficoforums.myfico.com/t5/Credit-Cards/Visa-Signature-not-reporting-a-balance/m-p/38285...

[h4ldol]

So I checked the BofA website and it does not show this "1-2-3 Cash Rewards" card, and only shows three MC, all of which are co-branded cards (Norwegian cruise, Spirit Air, and an MLB card)...

[trumpet-205]

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@h4ldol wrote:

So I checked the BofA website and it does not show this "1-2-3 Cash Rewards" card, and only shows three MC, all of which are co-branded cards (Norwegian cruise, Spirit Air, and an MLB card)...

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I think you have to app over the phone and specifically request MC.

[haulingthescoreup]

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@h4ldol wrote:

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@haulingthescoreup wrote:

Mine reports a CL. It's a World (MC), and they seem a bit more likely to report a CL. Also, mine started out as a regular CC, and when they offered to upgrade to World, I made them pinky-swear that it would continue to report correctly.

I also have a USAA World and a Chase Siggy, and they both report the CL, although that's a fairly recent development with Chase.

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You have a BofA Cash Rewards card that is a World MC instead of Signature Visa?  Wow, I had no idea that the same card could be either Visa or MC.  I think I'll give BofA a call tomorrow to see if they can start reporting a CL.  

Here are some more useful threads I found that help clarify the CL reporting situation with Signature Visa vs World MC:

http://http://ficoforums.myfico.com/t5/Credit-Cards/flexible-spending-credit-card/td-p/817884

http://http://ficoforums.myfico.com/t5/Credit-Cards/Visa-Signature-not-reporting-a-balance/m-p/38285...

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The rewards program seems to be independent of the card type. There are also Chase Freedom VISA and MC's, and so forth.

My card started out as a Mastercard, so I suppose that's why it stayed a MC.

[h4ldol]

Thanks folks.  I think I'll call BoA and see if they can do an easy VISA to MC switch (or even a Signature VISA to regular VISA switch) which would be great since I won't be likely to use it much if I lose the cash back rewards.  If not, I may switch it to a basic BankAmericard VISA (non-signature VISA it appears) or a Power Rewards card (but I don't like point rewards cards).  I'll let you all know what they say tomorrow *fingers crossed*.