Visa Signature Preferred?

[majortom546]

I recently disputed a transaction on my NFCU Flagship card. NFCU sent me some documentation that included the transaction record. On the record there is a section that says card level: D. I was curious what this meant and I found that "D" means visa signature preferred. Does that mean my card is not just a signature, but signature preferred?
If so are there any additional benefits apart from the regular visa signature? I could not find much information online. Thanks

[sjt]

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@majortom546 wrote:
I recently disputed a transaction on my NFCU Flagship card. NFCU sent me some documentation that included the transaction record. On the record there is a section that says card level: D. I was curious what this meant and I found that "D" means visa signature preferred. Does that mean my card is not just a signature, but signature preferred?
If so are there any additional benefits apart from the regular visa signature? I could not find much information online. Thanks

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Visa Signature is the highest level in the USA. Some banks may offer a "Visa Signature Preferred Card" but that just pertains to the specific bank. NOt sure about Navy though.

[mxp114]

There is a Visa Signature Preferred tier that is actually a step above Visa Signature and is offered based on spend. It can get confusing since some lenders like Chase use the word preferred to differentiate between products within the same family of cards. OP could have a VSP, but my guess is the visual design of the Visa logo would incorporate the words Signature Preferred to distinguish it from Visa Signature. Here is how I think a VSP logo would look...

[CreditScholar]

Do you know what lenders offer the VSP currently and what the spend threshold is? I read a few years ago that it was supposed to be 50k, but I haven't heard much about it since then.

[majortom546]

I actually just took my card out and looked. It has the standard visa signature logo on it. I have had this card since March, and run about $28k through it. 

So you guys know what i'm talking about, here is what is displayed on the transaction record:

And this is the chart that refrenced "D" being Signature Prefferred: 

[mxp114]

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@CreditScholar wrote:
Do you know what lenders offer the VSP currently and what the spend threshold is? I read a few years ago that it was supposed to be 50k, but I haven't heard much about it since then.

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No idea, but I think we can rule out Chase and Citi. Chase because surely the Palladium would be issued at VSP by default. Citi because we would see myriad threads about $1k credit limit VS cards being upgraded to VSP like we do with WE lol

[mxp114]

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@majortom546 wrote:

I actually just took my card out and looked. It has the standard visa signature logo on it. I have had this card since March, and run about $28k through it. 

So you guys know what i'm talking about, here is what is displayed on the transaction record:

And this is the chart that refrenced "D" being Signature Prefferred: 

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Seems like a Visa specific chart but it's possible VSP doesn't get a plastic reissue and is solely an internal coding for the card. Or could that list of codes just be lender specific and not a Visa global listing? One way to definitively find out is to call Visa, provide your account number and ask them the network tier of your account. If it is VSP, Visa would know.

[CreditScholar]

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@mxp114 wrote:

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@CreditScholar wrote:
Do you know what lenders offer the VSP currently and what the spend threshold is? I read a few years ago that it was supposed to be 50k, but I haven't heard much about it since then.

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No idea, but I think we can rule out Chase and Citi. Chase because surely the Palladium would be issued at VSP by default. Citi because we would see myriad threads about $1k credit limit VS cards being upgraded to VSP like we do with WE lol

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+1. WEMC (in the US) has really lost a lot of its exclusivity in the past few years, but that seems to be the trend in general these days. Visa Signatures are handed out like candy too.

Sometimes when people post about getting a VS, my first reaction is "with how freely banks are giving them out, who doesn't have one?"

[majortom546]

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@mxp114 wrote:

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@majortom546 wrote:

I actually just took my card out and looked. It has the standard visa signature logo on it. I have had this card since March, and run about $28k through it. 

So you guys know what i'm talking about, here is what is displayed on the transaction record:

And this is the chart that refrenced "D" being Signature Prefferred: 

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Seems like a Visa specific chart but it's possible VSP doesn't get a plastic reissue and is solely an internal coding for the card. Or could that list of codes just be lender specific and not a Visa global listing? One way to definitively find out is to call Visa, provide your account number and ask them the network tier of your account. If it is VSP, Visa would know.

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I believe it is standard for all visa cards. I came accross this link: http://digitaltransactions.net/news/story/1396 that outilnes a change in the way Visa authorizes credit cards back in 2007. The field code 62.23 they are talking about is what this is. 

[sweettea]

Oddly enough, I had this conversation with an NFCU rep by chance when she was putting in the request to upgrade my cashRewards to the Signature version. I had asked her if the cashRewards Visa Sig benefits were the same as with the Flagship version. I was just curious. To my surprise, she said no. The Flagship has the complete suite of Visa Signature benefits, but the cashRewards only has the concierge benefits. It didn't make sense to me at the time, but then I thought a Visa Sig was a Visa Sig... I guess not after all.