Visa Siggy NPSL= joke

[mrmbluth]

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@Imua wrote:

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@mrmbluth wrote:

Does Capital One report the 5K limit for Visa sig cards or is the highest balance just reported?

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my cap 1 visa sig reports my 10k CL to the credit bureaus

(as contrasted with my BofA visa sig which does not report my 10k CL to the credit bureaus)

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That's good to know. I hate BofA for doing that. I also hate their hard pulls on CLI requests. 

[CreditScholar]

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@enharu wrote:
The NPSL feature is dependent upon the lender and your account itself. Even for a very generous lender, they may or may not let you exceed your limits depending on your usage and payment history, type of purchase and income, etc.

I had went about 10k over my citi TYP CL, and about 2-3k over my CSP before. No over limit fees were incurred, just that the balance above my CL had to be paid in full. I haven't exactly pushed the limits as to test how far they would let me go beyond my limit, since I ended up returning the Tiffany's immediately after it arrived.

Thanks for letting me know bout the free wine tasting as well. That's interesting

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+1. Every year in December I always go over the limit with Chase and it's been no hassle at all. I just call them up in advance and let them know I'd like to push through a 30k charge, and it's done. I then pay it off the next day to free up the CL.