I checked out my credit reports today and noticed that the three reporting agencies have my USAir MC as having a $6551 credit limit, although it's actually $28,000. I called the MC desk and they said that's because the card is a "world card" and doesn't have a true limit. Yet all three reporting agencies are reporting that $6551 limit.

Allowing your credit-card balance to approach you credit limit hurts your credit score. So I'm thinking that the way the credit agencies are reporting my credit limit could be hurting my credit score.

The USAir MC people said that they will have their executive office check out the situation. Anyone else have any idea of what I should so? BTW, my disputing this issue with the credit agencies did nothing two months ago. They all said that the reports were accurate.

I'm not sure about your actual circumstance but part of the calculation is your debt to available credit ratio. I wish my credit score would go down. Maybe then I wouldn't get all this mail from Deleware.

I'm not sure about your actual circumstance but part of the calculation is your debt to available credit ratio. I wish my credit score would go down. Maybe then I wouldn't get all this mail from Deleware.


Generally there is a toll free number on those offer letters to be removed. Once you call the number it is reported to the credit agencies. The amount of offers is almost nill now for me. Just a few from companies I do business with.

Whenever you get a new card make sure you read the privacy policy and call the number listed (normally toward the end of the brochure) to opt out of them sharing your info.

Opting out of data sharing doesn't stop the bank from reporting to the credit bureaus. That's what the OP is concerned about: the misleading way the credit limit is reported making it look like the outstanding-balance-to-credit-line ratio is nearing 100%. As I recall, being over 80% on an account makes that account impact the credit rating more than the same amount of debt if it were a greater credit limit.

This may be a problem with any of the World MC or Visa Signature cards that are revolving credit but don't have a fixed limit.

Juniper also has a "Platinum" version of the US Airways World card. It's the exact same card except it doesn't let you exceed your limit. (Same partner benefits, APR, etc.)

Call and ask to see if you can change from World to Platinum.

I have seen some cards that say World in the upper right corner. Others say Premier World. What does the platinum one say and what is the difference between the Premier World and the World?

I checked out my credit reports today and noticed that the three reporting agencies have my USAir MC as having a $6551 credit limit, although it's actually $28,000. I called the MC desk and they said that's because the card is a "world card" and doesn't have a true limit. Yet all three reporting agencies are reporting that $6551 limit.

Allowing your credit-card balance to approach you credit limit hurts your credit score. So I'm thinking that the way the credit agencies are reporting my credit limit could be hurting my credit score.

The USAir MC people said that they will have their executive office check out the situation. Anyone else have any idea of what I should so? BTW, my disputing this issue with the credit agencies did nothing two months ago. They all said that the reports were accurate.
Your credit score is definitely being hurt. I have no idea who your issuer is, but some do not report to the credit bureaus a high limit, so the credit bureaus take the most you have put on the card as your high limit. If it is showing you at $6551 and you have app that amount on your card now, it thinks you are almost maxxed out when you are really under 25%. There is really nothing you can do except charge up to your max and pay it down. A great sight to visit is www.creditboards.com

I have seen some cards that say World in the upper right corner. Others say Premier World. What does the platinum one say and what is the difference between the Premier World and the World?
I've been wondering the same thing - I have a "Premier World" MasterCard.

Nice observation, guys! Mine (received within the past couple of weeks) also says World Premier, while all of the marketing materials on the web seems to show World. Wonder what the difference (if any) is.

I have seen some cards that say World in the upper right corner. Others say Premier World. What does the platinum one say and what is the difference between the Premier World and the World?

as someone who is still developing credit, i got a lovely platinum card... in the top right corner, it says "Platinum" other then that it looks the same

visa signature/mastercard world all have this problem; some banks report a high (true) limit, and some banks just report the highest balance you've ever maintained on the card (under the pretense of "there's no preset spending limit").

I'm guessing $6551 has been your highest monthly balance since you got it?

I've had the same problem with my USAirways mastercard. Same story, my highest-ever balance is being reported as my limit. I even went as far as filing a complaint with one of the credit agencies, but it didn't fix it. I'm planning on cancelling this card soon because it cuts something like 20-30 points off my credit score.

visa signature/mastercard world all have this problem; some banks report a high (true) limit, and some banks just report the highest balance you've ever maintained on the card (under the pretense of "there's no preset spending limit").

I'm guessing $6551 has been your highest monthly balance since you got it?


Actually, no! The highest was about $4000. I'm baffled by this.

If this card is hurting my FICO score and I decide to close it, does anyone know if I still keep the 10,000 Preferred miles I earned this year by charging over $25,000 on the card?

Are there any other USAir cards that anyone would recommend?

I checked out my credit reports today and noticed that the three reporting agencies have my USAir MC as having a $6551 credit limit, although it's actually $28,000. I called the MC desk and they said that's because the card is a "world card" and doesn't have a true limit. Yet all three reporting agencies are reporting that $6551 limit.

Allowing your credit-card balance to approach you credit limit hurts your credit score. So I'm thinking that the way the credit agencies are reporting my credit limit could be hurting my credit score.

The USAir MC people said that they will have their executive office check out the situation. Anyone else have any idea of what I should so? BTW, my disputing this issue with the credit agencies did nothing two months ago. They all said that the reports were accurate.

Your credit score's most important components are 1. Ontime payments 2. Length of history (averaged between all your cards...so closing an older card may make your credit history appear younger then it is!) 3. Total debt to credit ratio. (well, more important factors are bankruptcy, leins, etc). check out your actual credit score (myfico.com) before you worry to much about this card.

I seem to recall that some months ago when points were being cxl'd due to lack of activity on my part by Dividend Miles I signed up for the USAirway MC to get some point on the account and noticed that my credit limit on cash advances on the agreement was a lot less than the credit limit on purchases. Could this be the problem?