Question about "Flexible Spending Credit Card"

[CreditMagic7]

Same. I would never dream of needing to go over-the-limit at all but it's there in any event on my Barclays & Voice CC's too.

[Lyythine]

I am just curious how much they are willing to let me go over...  Ive never had Amex give me a problem and I have put some huge purchases on my amex plat... I kind of want to see what barclays is made of.  I probably wont do anything as I have nothing I need to buy, but curious none-the less.

[Anonymous]

---

@Lyythine wrote:

I am just curious how much they are willing to let me go over...  Ive never had Amex give me a problem and I have put some huge purchases on my amex plat... I kind of want to see what barclays is made of.  I probably wont do anything as I have nothing I need to buy, but curious none-the less.

---

Varies on your spending patterns.

Conservatively, I'd say you're safe going up to 20% over your CL, In some extreme cases, they may allow 2X your CL and over.

[Anonymous]

Are these cards reporting the credit line? Curious because I just got approved for a Visa Signature, (Barclays), and it hasn't hit my reports yet.

[Lyythine]

Mine is reporting the credit limit, but it took them almost a month for it to hit my reports

[Anonymous]

---

@Lyythine wrote:

Mine is reporting the credit limit, but it took them almost a month for it to hit my reports

---

Weird, Mine showed within a week of approval.

[Anonymous]

---

@Lyythine wrote:

Mine is reporting the credit limit, but it took them almost a month for it to hit my reports

---

Good to hear. I've read a lot of discussion about these cards not reporting the CL which, of course, would paint an inaccurate utilization picture.

[Anonymous]

---

@Anonymous wrote:

---

@Lyythine wrote:

Mine is reporting the credit limit, but it took them almost a month for it to hit my reports

---

Good to hear. I've read a lot of discussion about these cards not reporting the CL which, of course, would paint an inaccurate utilization picture.

---

In the past, there was one major (BoA I think) who didn't report CL on Visa Sigs, but now all the big banks do

[Anonymous]

---

@Anonymous wrote:

---

@Lyythine wrote:

Mine is reporting the credit limit, but it took them almost a month for it to hit my reports

---

Weird, Mine showed within a week of approval.

---

Mine showed on my report before I received the card.  About 2 days after approval