Credit Cards

[SanjeevR]

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CreditScholar wrote:

How difficult was it to move your CLs around? I'm thinking about applying for a hotel card soon (Hyatt or Ritz), but I won't need the CL I'll likely get. If transferring CLs isn't too difficult, I might do this sooner rather than later.

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It was actually really easy. I called the backdoor analyst number and they were able to do it in a matter of minutes.

[SanjeevR]

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swpopham wrote:
Just got off the phone with cs and they say its the csp reporting and not the palladium card. I guess that settles that argument I will say I am glad I was wrong. On that, oh good job on the 30k line, you had to top us!

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Thanks! I have to admit that I was surprised myself. I seriously think it's an Amex - Chase thing. Chase sees the great relationship I have with Amex and they jump at the opportunity to top them!

It's good to hear that your Palladium isn't reporting. Thanks for checking and sharing.

[SanjeevR]

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jsucool76 wrote:

Congrats, can't wait till I get on that level.  

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Thanks. You'll get there.

Trust me - less than a year ago I was nowhere. Through patience and research, I've made all the progress you see in my sig.

Just remember - good credit is rewarded by more credit.

[CS800]

Is the select normally an NPSL card?

Since they give you a $30K line i assume it also doesnt report a cl?

[SanjeevR]

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CS800 wrote:

Is the select normally an NPSL card?

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The Select card does have a credit line. However, as is the case with most Visa Signature cards, it can be used as a NPSL card so long as the amount over the credit limit is paid after the statement cuts. (Otherwise the card will be locked for use.)

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CS800 wrote:

Since they give you a $30K line i assume it also doesnt report a cl?

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The general consensus is that this card should not report at all.

To the best of my knowledge, IF it did report, it would report with a limit and a balance that would be factored in utilization.

[Crashem]

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SanjeevR wrote:

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CS800 wrote:

Is the select normally an NPSL card?

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The Select card does have a credit line. However, as is the case with most Visa Signature cards, it can be used as a NPSL card so long as the amount over the credit limit is paid after the statement cuts. (Otherwise the card will be locked for use.)

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CS800 wrote:

Since they give you a $30K line i assume it also doesnt report a cl?

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The general consensus is that this card should not report at all.

To the best of my knowledge, IF it did report, it would report with a limit and a balance that would be factored in utilization.

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+1. Sounds dead on.

[MrShush]

There was a poster who mentioned his reported but that was a PC from CSP if I remember...

However, mine does not report either and I have had it since May.

[SanjeevR]

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MrShush wrote:
There was a poster who mentioned his reported but that was a PC from CSP if I remember...

However, mine does not report either and I have had it since May.

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Excellent point! That's probably the answer...

[mokong]

mine doesnt report yet i got it since may.

[CS800]

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mokong wrote:

mine doesnt report yet i got it since may.

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+1