response from BOA about reporting CL

[slap_happy]

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?

[CREDITSURFER]

all siggy/npsl dont report the CL

[resilient]

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@CREDITSURFER wrote:

all siggy/npsl dont report the CL

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Not true. Chase reports CL for Signature/World, as do a lot of other banks. BofA reports the CL for the World Mastercard, however.

[DaveSignal]

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.

[resilient]

I understand that, but I'd like it to affect my utilization since the limit is so high(for me anyways).I won't downgrade because I'd like to have other $30k credit lines, so I'll combine them and hope CC see that I've been issued limits of $30k plus.

[DaveSignal]

I think you can downgrade to visa platinum and still keep your credit line.  You should call and ask them.

[resilient]

I can downgrade and keep my credit line, but I'd rather have a $30k vs two $15k. Get me?

[slap_happy]

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.

[FutureBillionaire]

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@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?