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-   -   Does Citi report credit limits on Citi/AA cards? (https://www.flyertalk.com/forum/citi-thankyou-rewards/912164-does-citi-report-credit-limits-citi-aa-cards.html)

sk8uno Jan 19, 2009 3:12 pm
Does Citi report credit limits on Citi/AA cards?
 
I have heard that Citibank doesn't report credit limits on Citi/AAdvantage cards, so that if you have any balance at the close of a statement it automatically looks like 100% utilization. Can anyone confirm this?

I have a credit limit on my Citi/AA Amex and I will be extremely annoyed if I find out I've been logging 100% utilization on it even though in reality I don't cross 10% utilization.

Happy Jan 19, 2009 6:51 pm
Originally Posted by sk8uno (Post 11105019)
I have heard that Citibank doesn't report credit limits on Citi/AAdvantage cards, so that if you have any balance at the close of a statement it automatically looks like 100% utilization. Can anyone confirm this?

I have a credit limit on my Citi/AA Amex and I will be extremely annoyed if I find out I've been logging 100% utilization on it even though in reality I don't cross 10% utilization.
You will definitely be extremely annoyed.

Happy Jan 19, 2009 6:52 pm
Originally Posted by sk8uno (Post 11105019)
I have heard that Citibank doesn't report credit limits on Citi/AAdvantage cards, so that if you have any balance at the close of a statement it automatically looks like 100% utilization. Can anyone confirm this?

I have a credit limit on my Citi/AA Amex and I will be extremely annoyed if I find out I've been logging 100% utilization on it even though in reality I don't cross 10% utilization.
You will definitely be extremely annoyed. Because this is exactly it would be.

Want confirmation? Why not look at your own credit reports?

skofarrell Jan 19, 2009 7:33 pm
Originally Posted by sk8uno (Post 11105019)
I have heard that Citibank doesn't report credit limits on Citi/AAdvantage cards, so that if you have any balance at the close of a statement it automatically looks like 100% utilization. Can anyone confirm this?

I have a credit limit on my Citi/AA Amex and I will be extremely annoyed if I find out I've been logging 100% utilization on it even though in reality I don't cross 10% utilization.
Most World Mastercards and Signature Visas do not report limits.

My understanding from reading creditboards.com is that these cards do count in overall amounts owed, but the CRAs do not count them as part of overall utilization when FICO cooks up its magic number.

http://creditboards.com/forums/index...owtopic=378905

EasternTraveler Jan 20, 2009 6:54 am
All banks that issue World and Signature are supposed to not post a credit limit.

I can't speak for all banks but I can state for sure that Citibank post your credit limit as zero and that their business versions don't post.

sk8uno Jan 20, 2009 8:00 pm
Ok, so I just checked the old credit report. My personal Citi/AA Amex card does NOT show a credit limit. Has anyone else heard what skofarrell has heard...namely that cards with no limit do NOT count towards a measure of your utilization?

Interesting sidenote: My report does not show an inquiry for the application associated with the Citi/AA card...

skofarrell Jan 20, 2009 8:50 pm
Originally Posted by EasternTraveler (Post 11108337)
All banks that issue World and Signature are supposed to not post a credit limit.

I can't speak for all banks but I can state for sure that Citibank post your credit limit as zero and that their business versions don't post.
FWIW, US Bank WorldPerks Visa Signature posts a limit.

Centurion Jan 21, 2009 11:39 pm
I think Capital One was the orginator of not reporting credit line. Check Wall Street Journal or New York Times. The purpose was to prevent other CC companies from poaching good customers

Happy Jan 22, 2009 10:47 am
Originally Posted by sk8uno (Post 11112959)
Ok, so I just checked the old credit report. My personal Citi/AA Amex card does NOT show a credit limit. Has anyone else heard what skofarrell has heard...namely that cards with no limit do NOT count towards a measure of your utilization?

Interesting sidenote: My report does not show an inquiry for the application associated with the Citi/AA card...
Have you checked all 3 credit reports? While the account is reported to all 3 credit bureaux, the inquiry would only show up on the one that the issuer used to pull your report.

What skofarrell has posted, is really a COMMON KNOWLEDGE for many people who do credit cards.


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