Porgy, what's the best offer you've received from there.

Yeah, I hear ya, I have the HILTON HONORS card from American Express. I never had a problem with AX. They do send tons of junk mail though, from new card offerings to worthless items no one would ever buy heheheheh.

Porgy, I'm totally with you on that one. But as a BofA customer, I think I would trade all my current cards in the Bank of America AMEX card. That is one good looking card and a card that would be something to brag about. lol

I opened that account in 4/07, I find the signature card useless and I am tired of calling BofA about it and getting nowhere.

hehehehe, I have found that an inqury and closing or adding new accounts do not harm my credit score. My credit history goes back 24 years 8 months. The BofA signauture card I opened in 4/07. CL was $25,000 BUT if I am afraid to use it and I wont use it so whats the point of having it???????? I just try not to go overboard on looking for new credit. Adding or closing an account or two a year never hurt me. I think its more of an overall picture set over time that determines your scores, but who knows. Its just how I see it.

Woooooe, Good Lawd! Nice limit and apr.


Congrats on the apporoval and welcome to the Hooter's Family! Didn't you just get a cli from the signature for $12.5k? Are you afraid that closing that card will decrease your scores due to long time history with it? One more thing, YOU MADE IT TO THE 800 CLUB! Congrats buddy, it is your birthday! Hugs and kisses from all of us, you deserve it.

How old was your account?

Well I ended up calling BofA today and I closed the Signature card. I have the max amount of cards that I want and I was approved for the Hooters card. $9500 credit line, 7.75% and no annual fee. I really do not want to go over 14 cards and since the BofA signature card is not what I liked I just closed it.

Yeah, sounds good, but remember, Porgy has years of history with them and flamboyant credit scores. As for right now, lets pretend his scores are like human weight, he is the fattest. WE don't want to go there.

Nice one Meya!

Porgy, I did some research and I found out that it's not only BofA that doesn't report their credit limits for the Visa Signature cards. All Visa Signature cards don't report to the credit reports unless they are asked to. Based on my research, a lot of people called their card company and asked for their credit limit to be reported to their credit report. Also, when you call CS, don't speak to a regular CSR, speak to someone with high authority such as a senior account manager. They have more power to take a decision into their hands rather than regular CS.

Yeah, sounds good, but remember, Porgy has years of history with them and flamboyant credit scores. As for right now, lets pretend his scores are like human weight, he is the fattest. WE don't want to go there.

Cool,I just thought of it ,I don't really use the card anyway. I guess I will be in the clear.

I was thinking of applying for the BofA Visa Signature card in the future, but after hearing this story, I don't know what to do. The card looks very nice especially with those high credit limits.

BofA reports you the exact same day your statement closes. But they will report you again durring the month every time you charge up an additional 10% of your credit line. ONLY the BofA signature card will do the improper reporting thing. I have a Juniper card with Barclays, I hope it doesnt go to BofA at this rate I will have mostly BofA cards , thats crazy.

Woe, Woe, Woe! I jsut thought of something. Barclays Bank is selling their accounts to BofA. Oh my goodness! I have the Travelocity Mastercard. Hooooly Cow! I hope nothing changes with me. I know the United and Sykmiles has made it over, I have not heard anything about the Travelocity as of yet. I don't have a signature card, but do you think they will report to my cb on a timely quarter? Porgy1000, Eric, or somebody Heeeelp!

Meya, I don't think you have anything to worry about. I have a Bank of America Platinum Visa and they report my limit every month.

Woe, Woe, Woe! I jsut thought of something. Barclays Bank is selling their accounts to BofA. Oh my goodness! I have the Travelocity Mastercard. Hooooly Cow! I hope nothing changes with me. I know the United and Sykmiles has made it over, I have not heard anything about the Travelocity as of yet. I don't have a signature card, but do you think they will report to my cb on a timely quarter? Porgy1000, Eric, or somebody Heeeelp!

Some creditors does that type of stupidity out of spite and jealousy. Capital One just released all of our limits in the last 3 months of 2007. They used to do the same thing to me, it is to reduce competition. I really think it makes you loose customers, especially from listening to Porgy.

How would jealousy and reducing competition factor into this?

I'm wondering if it's to protect themselves and the account holder. For example, let's say someone is using their BofA Signature Visa card to make an online purchase. Then, the identity theft criminal steals their card number and somehow obtains their social security number. So if the identity theft criminal tries to obtain a credit report to see the credit limit of the card number he just stole, he wouldn't be able to find a credit limit and wouldn't know that there's a credit limit of $35,000.

Does anyone agree?