A couple of recent posts about Citibank cards being "upgraded" (heads up!) to World Mastercards lead me to ask about the USAA World Mastercard. I was thinking about applying for one. Yeah, I know I said in other threads here that I wasn't planning to apply for new credit for a while, but after the mortgage two weeks ago, and before the new car coming up in 6-9 months (hopefully not required sooner!), this seems like a good opportunity, and a new CC seems like small change.
USAA's website implies there is a CL, at least (unlike my AmEx green charge card; had enough of that nonsense). Does anyone know whether USAA reports the CL (to all CRAs)?
Starting Score: EQ 804 - (April 2009) 
It absolutely does. Mine reports the CL ($27K), and it's included in util. At any rate, my total reported CL's on my EQ and TU reports indicate that the CL is being used, rather than the highest-ever balance, which would make the total CL lower. (EX doesn't supply useful info like total CL.) And the CSR confirmed this, repeatedly and patiently, when I anxiously asked.
Here's how it looks on a full EQ report. The others look similar:
[Re: haulingthescoreup]
Excellent, that's what I was hoping to hear. Thanks.
Don't think I've ever seen a Type of Loan: "Flexible Spending Credit Card" before. Do you know what that means?
@Duke-of-Earl wrote:[Re: haulingthescoreup]
Excellent, that's what I was hoping to hear. Thanks.
Don't think I've ever seen a Type of Loan: "Flexible Spending Credit Card" before. Do you know what that means?
That's the World/ Signature designation. You're allowed to go over your credit limit, as long as you pay the amount over CL by the next statement.
Something like that. I have no plans to get anywhere close to my CL, so I never really investigated. 
When World (MC) and Signature (Visa) cards do report their CL's, they're great. They offer a lot of similar protections that American Express cards do, and concierge services, and so forth.
@haulingthescoreup wrote:
@Duke-of-Earl wrote:[Re: haulingthescoreup]
Excellent, that's what I was hoping to hear. Thanks.
Don't think I've ever seen a Type of Loan: "Flexible Spending Credit Card" before. Do you know what that means?
That's the World/ Signature designation. You're allowed to go over your credit limit, as long as you pay the amount over CL by the next statement.
Something like that. I have no plans to get anywhere close to my CL, so I never really investigated.
I haven't stopped by the forum on a regular basis in awhile. Has it been confirmed on here through personal experience that the USAA World MC now has a no preset spending limit ?
When I had investigated that question awhile ago, USAA reps explicitly stated by phone and through their online private messages that their World MC does NOT have a NPSL.
And at that time that I was looking into this matter, I read the experiences being reported by about ten or so USAA World MC members at the CB forum; all of them reported that their USAA World MC did NOT have a NPSL.
Furthermore, at that time I also examined USAA's literature that they sent in the mail to me about the USAA World MC and also examined their online FAQs about the World MC; again I could not find anything that stated or even suggested that the USAA World MC has a NPSL.
@haulingthescoreup wrote:It absolutely does. Mine reports the CL ($27K), and it's included in util. At any rate, my total reported CL's on my EQ and TU reports indicate that the CL is being used, rather than the highest-ever balance, which would make the total CL lower. (EX doesn't supply useful info like total CL.) And the CSR confirmed this, repeatedly and patiently, when I anxiously asked.
Here's how it looks on a full EQ report. The others look similar:
+1
Hauling, by the way, let me know and I can certainly help you in that quest to go over your CL and hit uncharted territory. 
