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09-25-2012 02:51 AM
Is there a way for other lenders to know you have a Visa Signature via your credit profile?
I just changed my NFCU nRewards to a Visa Signature Flagship Rewards and I wanted to know if it would help me get a CSP by making Chase jealous with the spend I'll be using on the Flagship rewards card. Also with the NPSL on NFCU how does the Credit line reflect on my profile? Will it hurt my utilization at all?
09-25-2012 03:37 AM
09-25-2012 06:38 PM - edited 09-25-2012 06:58 PM
I just did a CLI recon with Chase and while they were willing to meet my $5k CL with AMEX (Delta Gold) and BoA (Signature Visa) it wasn't enought for me. It wasn't until I told the Chase CSR that I could go over my $5k limit with my BoA Signature card that he was willing to go up to $6500. He did mention that he could see my BoA CL, but it didn't indicate that it was a Signature card.
This is just my experience, so as disclaimers go... YMMV
09-25-2012 07:01 PM
I am fairly certain all visa siggys are NPSL.
Same with World (and higher (world elite)) mastercards.
Interesting so would the Chase Ink Cash be considered an NPSL? I ask because my card says World above the mastercard logo. If thats the case I never knew that was doable.
09-25-2012 07:06 PM
It's my understanding that while I have a SIgnature Visa from BoA and could go over my limit, they could at any time decline a purchase over that defined limit. With my AMEX PRG, I doubt I'd get declined until I hit their internal limit. In both cases, limits are exists (however cloaked AMEX's CL is), so be careful.
09-26-2012 03:02 AM