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Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007
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signature card that doesnt report balance

Does anyone know of a credit card that doesnt report the balance. I know cards like american express that are NPSL that do not report the balance but you have to pay in full every month.

 

I am looking for a signature card that isn't a NPSL and does not report the balance.

 

Thanks everyone for your help.

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: signature card that doesnt report balance

Chase palladium and JP Morgan select are hidden trade lines
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 559
Registered: ‎02-11-2013
0

Re: signature card that doesnt report balance


oracles wrote:

Does anyone know of a credit card that doesnt report the balance. I know cards like american express that are NPSL that do not report the balance but you have to pay in full every month.

 

I am looking for a signature card that isn't a NPSL and does not report the balance.

 

Thanks everyone for your help.


huh.. they don't report your balance? do they report as a tradeline?  how does this impact ones credit score?

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007
0

Re: signature card that doesnt report balance


enharu wrote:
Chase palladium and JP Morgan select are hidden trade lines

Thanks but anything without an annual fee.

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: signature card that doesnt report balance

Certain business credit lines do not report balances, but they are net 30/60 and you need to either own or manage a business.

Bill me later also doesn't report to CRAs it I'm not wrong
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007
0

Re: signature card that doesnt report balance

Thanks

 

Any other suggestions anyone?

Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: signature card that doesnt report balance


oracles wrote:

Thanks

 

Any other suggestions anyone?


My BofA visa signature cash rewards doesn't quote a balance.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: signature card that doesnt report balance

BofA reports balances, but not credit limit for visa signature cards
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 620
Registered: ‎05-09-2009
0

Re: signature card that doesnt report balance

+1  BOA reports high balance as flexible spending credit card.  The high balance sets itself as the credit line until next cycle, if i'm not mistaken.  I had mind downgraded to Platinum Plus for that reason, as i wanted to util cushion.

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 46.5k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2k
Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: signature card that doesnt report balance

I actually meant to say credit limit. My fault.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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