FlyerTalk Forums - View Single Post - Have SPG Amex and Merrill+, looking for a third?
Old Oct 21, 2010 | 7:20 am
  #2  
mia
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
10 Countries Visited
20 Nights
2M
20 Years on Site
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,887
Originally Posted by kngspook
...want to increase my ratio of unused credit to total credit for credit score purposes.
Cards with a "no preset spending limit" feature typically will not report the revolving limit. This includes VISA Signature and Mastercard World/World Elite cards, and that covers most "rewards" cards because these generate higher merchant transaction fees to fund the rewards.

Has your Merrill+ account been upgraded from Platinum Plus to Signature? Even if your physical card still states "Platinum Plus" the account may have been upgraded, and the limit is probably no longer reported.

You may need to look at Amex-network cards issued by Bank of America, Barclays or Citi to find a card that will report a limit. These cards are not issued or administered by American Express, but the charges are processed through their network rather than through Mastercard or VISA.
mia is online now