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I have a BOA signature cash back visa, nice CL but not reported since its a siggy
called executive office and requested that they report my CL.
got letter in the mail today, there response was that they will not report my CL for MY SAKE!
they said since im able to go over my limit that they are protecting me from a negetive showing on my CR!
you got to be kidding me, I think thats a terrible repsonse, what do you think?
all siggy/npsl dont report the CL
@CREDITSURFER wrote:all siggy/npsl dont report the CL
Not true. Chase reports CL for Signature/World, as do a lot of other banks. BofA reports the CL for the World Mastercard, however.
It is a benefit not to report the CL because this account will not affect your utilization. FICO won't count it, so you can let whatever balance post and there will be no penalty. If you don't like this signature benefit, you can request to downgrade your card.
I think you can downgrade to visa platinum and still keep your credit line. You should call and ask them.
im the same, I want my CL to be reported, its a high line and I pretty much PIF every month, so utilization would really be good for me, I didnt know I can downgrade and still keep my CL, I will call and ask.
@DaveSignal wrote:It is a benefit not to report the CL because this account will not affect your utilization. FICO won't count it, so you can let whatever balance post and there will be no penalty. If you don't like this signature benefit, you can request to downgrade your card
I thought Fico did count it. Are we are sure about that?