topic Another "how does a CC report" question. in Credit Cards

Another "how does a CC report" question.

Anonymous — Tue, 07 Dec 2010 05:41:02 GMT

Hello,

Just got auto upgraded to the Citi Platinum Select World Mastercard. Anybody know how this reports? My BofA World Card reports the credit limit and my US Bank Visa Signature reports the limit so I was wondering the same about the Citicard.

Thanks in advance.

Re: Another "how does a CC report" question.

ArisGreek — Tue, 07 Dec 2010 18:11:48 GMT

It varies. Some world cards seem to report a credit limit and some do not. My Citi AA World MC does not report a balance. I was approved for the Chase Continental OnePass Plus World MC and I won't know if it reports for a month or two.

Re: Another "how does a CC report" question.

fused — Tue, 07 Dec 2010 18:30:48 GMT

@Anonymous wrote:
Hello,

Just got auto upgraded to the Citi Platinum Select World Mastercard. Anybody know how this reports? My BofA World Card reports the credit limit and my US Bank Visa Signature reports the limit so I was wondering the same about the Citicard.

Thanks in advance.

I have the same CC. Here's how its reporting on all three of my CRs:

EQ: reporting the CL, but not a high balance

EX: no CL or high balance is reporting

TU: no CL or high balance is reporting

When any CC doesn't report a CL, FICO scoring then looks for a high balance. If a CC doesn't report a CL and a high balance, the CC will not factor in FICO utilization scoring calculations.