I've had the Citi Diamond Preferred for almost 3 years now. I ordered replacement cards last week and the new ones now have WORLD on them.
I guess that means I had it all along? How does one really know?
Starting Score: 648
I think the general rule is that it's the MC equivalent to a Sig Visa. Usually starting CL's are 5K+ to get the perks of the card. There are exceptions to this rule (example, Huntington Voice is World MC no matter the starting limit supposedly).
Others may be able to chime in.
@Involver wrote:World MC do not have to have 5k+ CLs.
I know, for instance, that the Capital One-backed GM card has given out WEMCs with a $500 limit.
Is this called a secured World Mastercard by chance? haha 
had to say it....
That's actually pretty nice if that's the case.
This thread actually brings up a question I'm hoping someone can answer.
Is a WMC or WEMC even matter? Does Visa Siganature even matter?
I do know they come with extra perks and things like that. But does it really make a difference for the average Mr. Lee M. Cardholder?
I honestly think it's the prestigious aspect of it. Am I missing some sort of everyday benefit?
@Shock wrote:This thread actually brings up a question I'm hoping someone can answer.
Is a WMC or WEMC even matter? Does Visa Siganature even matter?
I do know they come with extra perks and things like that. But does it really make a difference for the average Mr. Lee M. Cardholder?
I honestly think it's the prestigious aspect of it. Am I missing some sort of everyday benefit?
Any WMC/WEMC/Visa Sigs are known as the "Flexible Spending Credit" cards, meaning you can go over your given limit without having to worry about your card being denied...other term used is the NPSL.
Most WMC/WEMC cards have min of $5k+ limit, but i think nowadays it all depends on the lender and the product....I have a WMC w/ a $2k limit, and a WEMC w/ a $3k limit.
@yudeology101 wrote:Any WMC/WEMC/Visa Sigs are known as the "Flexible Spending Credit" cards, meaning you can go over your given limit without having to worry about your card being denied...other term used is the NPSL.
Most WMC/WEMC cards have min of $5k+ limit, but i think nowadays it all depends on the lender and the product....I have a WMC w/ a $2k limit, and a WEMC w/ a $3k limit.
Given that 5k is usually the threshold for WMC/WEMC/VS's... lets go with that. But how often can someone really max out 5k in a month? I understand there are heavy spenders, and also people who use them for business expenses which can really add up....but I don't consider those people "average". So...again, is there any other everyday benefit for the average cardholder? Sorry if I don't make sense!
@Shock wrote:
@yudeology101 wrote:Any WMC/WEMC/Visa Sigs are known as the "Flexible Spending Credit" cards, meaning you can go over your given limit without having to worry about your card being denied...other term used is the NPSL.
Most WMC/WEMC cards have min of $5k+ limit, but i think nowadays it all depends on the lender and the product....I have a WMC w/ a $2k limit, and a WEMC w/ a $3k limit.
Given that 5k is usually the threshold for WMC/WEMC/VS's... lets go with that. But how often can someone really max out 5k in a month? I understand there are heavy spenders, and also people who use them for business expenses which can really add up....but I don't consider those people "average". So...again, is there any other everyday benefit for the average cardholder? Sorry if I don't make sense!
This is the general assumption(as i think so too), but we have to take it into consideration that there are still many that only holds one or two cards that may go over the limit easily. How often? That depends on the individual.
::edited for typo::