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Is the Thank You Preferred a Signature card?

tag
CS800
Super Contributor

Is the Thank You Preferred a Signature card?

Meaning it doesnt report the CL?




Message 1 of 5
4 REPLIES 4
hedgeclipper2
Frequent Contributor

Re: Is the Thank You Preferred a Signature card?

My Citi Hilton HHonors card is a Visa Sig with a $11,000 limit and it reports the limit.

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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 2 of 5
injustifiiable
Valued Contributor

Re: Is the Thank You Preferred a Signature card?

I believe Citi reports a little differently...like they will report the limit but in the way it's coded, it won't be counted towards utilization.

 

Anyone, feel free to correct me on this.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 3 of 5
bribro
Valued Contributor

Re: Is the Thank You Preferred a Signature card?


@injustifiiable wrote:

I believe Citi reports a little differently...like they will report the limit but in the way it's coded, it won't be counted towards utilization.

 

Anyone, feel free to correct me on this.



My Citi Dividend World MC is a NPSL card like Visa Signature, and Citi still reports my "limit." Some NPSL cards don't report a limit, but rather your highest balance, thus hurting your credit score. This doesn't appear to be the case with Citi.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 4 of 5
CS800
Super Contributor

Re: Is the Thank You Preferred a Signature card?


@bribro wrote:

@injustifiiable wrote:

I believe Citi reports a little differently...like they will report the limit but in the way it's coded, it won't be counted towards utilization.

 

Anyone, feel free to correct me on this.



My Citi Dividend World MC is a NPSL card like Visa Signature, and Citi still reports my "limit." Some NPSL cards don't report a limit, but rather your highest balance, thus hurting your credit score. This doesn't appear to be the case with Citi.


Thanks for the heads up.

 

I have been getting the diamond and the thank you preferred in the mail with codes twice a week. They both offering 18 months 0%. I would love to take advantage of that since I have about $4500 right now at 16% APR




Message 5 of 5
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