BoA World MasterCard and Visa Signature cardholders: Does your card report a credit line?

[Anonymous]

There's been a little controversy lately about whether or not Bank of America's no preset spending limit World MasterCards and Visa Signature cards report credit limits to the CRAs.

Let us know which card you have:  The Bank of America World MasterCard, Visa Signature, or both. 

Inform us about whether or not your card reports a credit line.

In addition, tell us a little about the history of your account:  Was it originally a no preset spending limit card, or converted from a different account?  Was your account always with BoA, or did the card have origins in another bank, such as MBNA?

[Anonymous]

I don't have one, but figured I'd chime in anyway.

A CSR in the BOA Credit Department told me that the signature cards do NOT report CLs are they are no preset spending limit cards.

However, I don't deny the possibility that he could have been wrong.

[MidnightVoice]

I asked about changing my Chase United Airmiles Visa to the equivalent Signature card (better benefits).  They told me it WOULD NOT report a CL as it was a flexible spending card.

I did not change

[Anonymous]

I have had it a BOA Visa Signature since 2006.

It does not report a credit limit.

I don't know if it was originally from MBNA or not. Any way to find out?

Message Edited by watchnerd on 05-04-2008 12:29 PM

[Anonymous]

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watchnerd wrote:
I have had it a BOA Visa Signature since 2006.

It does not report a credit limit.

I don't know if it was originally from MBNA or not. Any way to find out?

Message Edited by watchnerd on 05-04-2008 12:29 PM

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I'm sorry for being unclear about this issue.

Did you originally apply for the card through Bank of America?  Did you apply for your card through MBNA, and it was later changed to a BoA card after the BoA/MBNA merger?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
I have had it a BOA Visa Signature since 2006.

It does not report a credit limit.

I don't know if it was originally from MBNA or not. Any way to find out?

Message Edited by watchnerd on 05-04-2008 12:29 PM

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I'm sorry for being unclear about this issue.

Did you originally apply for the card through Bank of America?  Did you apply for your card through MBNA, and it was later changed to a BoA card after the BoA/MBNA merger?

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I originally applied for the card via BOA. Whether that was a front-end for MBNA at the time, I don't know.

I got the card about one year after MBNA and BOA merged.

[nicemann]

The BoA Worldpoints report CLs correct?

[haulingthescoreup]

Mine does, but it's not signature level. (Didn't have the squeaky clean report to get that!)

The Signature was a possible level, but I was "considered" for the regular one, which is fine.

[Anonymous]

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@nicemann wrote:

The BoA Worldpoints report CLs correct?

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Which WorldPoints card do you mean?

Many BOA cards have WorldPoints in their names:

Visa Platinum with WorldPoints
MasterCard Platinum Plus with WorldPoints
World MasterCard WorldPoints
Visa Signature with WorldPoints
etc.

WorldPoints is just the name of one of the BOA rewards points systems.

[nicemann]

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@Anonymous wrote:

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@nicemann wrote:

The BoA Worldpoints report CLs correct?

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Which WorldPoints card do you mean?

Many BOA cards have WorldPoints in their names:

Visa Platinum with WorldPoints
MasterCard Platinum Plus with WorldPoints
World MasterCard WorldPoints
Visa Signature with WorldPoints
etc.

WorldPoints is just the name of one of the BOA rewards points systems.

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Sorry did not know that.  So is the platinum harder to get then the signature?  I wanted to get the Worldpoints wanted to make sure they report the CL.