@Anonymous wrote:
@Anonymous wrote:
@bakalao2k wrote:your platiinum card was converted to a signature card, just like mine. i noticed the change on my transunion report a few days ago. two months ago, bofa notified all of their customers of this product change.
This would suck, since this is the card I let report each month, and it has a $20K CL
Issuers love to convert platinum cards into signature cards for CL's above $5k, as it gives them higher merchant fees. But yes, I feel your pain. I had to get a CU card with a higher limit in order to escape the "small special niche card reporting hell" that makes keeping the credit score in green territory quite a pain.
So now that I understand better what this is all about, I'm wondering why this didn't happen to me. Never received any notification from BofA, no dropoff of CL on my report. CL is $20,300. But it's not platinum, just gold. Does that make a difference? Thanks.
Starting Score: EQ 804 - (April 2009) 
fyi update. Got a new card from BOFA. This card was not upgraded to a signature card as I previously believed this could have been the case. The card is the BankAmericard Cash Rewards CC and the limit is still the same. So this card for me, an AU, does not report the CL's! This could be specific to au's only ,i don't know. I was going to ask the ex to do a product change ( a BOFA product that will report the CL) but that's a little bit much to ask. Still helps with my history b/c it's older than any of my own cards.
bakalao2k is right. it is a signature card. duh, just peeled the activation sticker off and clearly written right on the card "signature card". I didn't activiate it when I wrote earlier. blonde moment.
Since a CL is not reported, utilization calculation now will be scored using high balance instead. Our high balance is only 2400 bucks, so all I have to do to is go and buy something expensive close to statement cut date, then return it, but make sure the high amount gets posted with the CRA's !! Four pairs of Jimmy Choos should do the trick...
