Hidden Trade Lines

MyDataMyChoice · ‎10-03-2015

List of Known Hidden Trade Lines?

Please fill it in

PayPal Credit (Comenity) (Formerly BML)

Diners Cluib

Business Credit Cards

November 2023 - Home Depot Credit Card SL $500

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

woodyman100 · ‎10-03-2015

John Deere

NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill

Anonymous · ‎10-03-2015

@JTC403 wrote:
List of Known Hidden Trade Lines?

Sucks that they still hit you with a hard pull though.

FinStar · ‎10-03-2015

JPMorgan Select (applications no longer available).

Palladium.

Anonymous · ‎10-04-2015

When did hidden TLs come to fruition? Is there any motivation by the banks to keep them that way? Do they encourage folks to use them more, or carry balanaces, thus making the banks more money?

Most of these dont really have 0% promos, so you would be paying in full. Aside from whatever perks they have, a charge card would do the same thing as far as utilization. But I guess other credit cards could see your balance on the charge card.

What are all the perks of a hidden TL excluding the obvious ones?

lhcole77 · ‎10-04-2015

PayPal Credit gives 0% interest and no payments for 6 months for most purchases over $99. That's incentive to me.

Anonymous · ‎10-04-2015

Are the AmEx charge cards not considered hidden? I'm still trying to grasp how they impact things.

Anonymous · ‎10-04-2015

@Anonymous wrote:
Are the AmEx charge cards not considered hidden? I'm still trying to grasp how they impact things.

They report highest balance. Do not factor into utilization for fico 04/08, but do for '98. They also impact AAOA. Not sure if repayment history is affected, I believe it is.

Anonymous · ‎10-04-2015

@Anonymous wrote:
@Anonymous wrote:
Are the AmEx charge cards not considered hidden? I'm still trying to grasp how they impact things.
They report highest balance. Do not factor into utilization for fico 04/08, but do for '98. They also impact AAOA. Not sure if repayment history is affected, I believe it is.

So HIDDEN just totally don't show up at all? (I know, sounds like an obvious question, but humor me.)

Anonymous · ‎10-04-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Are the AmEx charge cards not considered hidden? I'm still trying to grasp how they impact things.
They report highest balance. Do not factor into utilization for fico 04/08, but do for '98. They also impact AAOA. Not sure if repayment history is affected, I believe it is.
So HIDDEN just totally don't show up at all? (I know, sounds like an obvious question, but humor me.)

well. other creditors can see your payment history I believe. they could see your highest balance. the way amex updates its not really a live report of how much you have on the card, im sure other places know that. amex is nowhere close to being hidden as far as charge cards. they just dont factor into util. Its good for folks trying to micromanage their scores.