WHY WOULD YOU WANT ONE WITH OR WITH-OUT A FEE??? No credit limit is stated on your credit report...so it MESSES UP YOUR F.I.C.O. SCORE...
I didn't have a World MC but I have CitibankUSA Hilton HHonors Visa Signature. They don't report the limit of the card and they report the highest amount of usage instead of credit limit and they reported as open account. Here is the terms: â? Citibank Disclosures Annual Percentage Rate (APR) for purchases Signature Card: Introductory 0% for the first six months after the account is opened; after that, 12.74%. Gold Card: Introductory 0% for the first six months after the account is opened; after that, 16.74%. Other APRs Balance transfer APR: Signature Card: Introductory 9.99% for the first six months after the account is opened; after that, 12.74%. Gold Card: Introductory 9.99% for the first six months after the account is opened; after that, 16.74%. Cash advance APR: 19.99%. Default APR: Signature Card: Up to 24.99%. See explanation below.* Gold Card: Up to 29.99%. See explanation below.* Variable Rate Information Your APRs may vary. The Signature Card rate for purchases and balance transfers is determined monthly by adding 7.99% to the Prime Rate. The Gold Card rate for purchases and balance transfers is determined monthly by adding 11.99% to the Prime Rate.** Grace Period for Repayment of Balance for Purchases 20 - 25 days if you pay your balance in full by the due date. Method of computing the balance for purchases Average Daily Balance (including new purchases). Annual Fees None Minimum Finance Charge $1.00 Transaction fee for Cash Advances (including Balance Transfers): 3% of the amount of each cash advance, but not less than $5. Late fee: $15 on balances up to $100. $25 on balances of $100 up to $1000. $35 on balances of $1000 and over. Over-the-Credit-Line fee: Signature Card: None.          Gold Card: $29 *Your purchase, balance transfer, and cash advance APRs may increase if you fail to make a payment to us or any other creditor when due, you exceed your credit line, or you make a payment to us that is not honored by your bank. Factors considered in determining your default rate may include the length of time the account has been open, the existence, seriousness, and timing of Card Agreement defaults, and other indications of account usage and performance. **The Prime Rate used to determine your APR is the U.S. Prime Rate published in The Wall Street Journal on the first business day of each month. TERMS AND CONDITIONS OF OFFER * This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. * You must be a legal resident of the United States. The application cannot be processed if the mailing address has been changed to a different or a foreign address. Citibank (South Dakota), N.A. ("Citibank" or "we"), the issuer of your card, may require you to provide a street address to us before we process your application. * To process the application for a new account, the Application must be: 1. Accurately completed; 2. Verifiably correct. * Please submit your application on-line or you may send the application to:                                  Credit Card Processing Center                                  P.O. Box 17143                                  Wilmington, DE 19885-7143 Please allow four weeks from date of mailing to process a completed application. * We may gather information about you, including from your employer, your bank, credit bureaus, and others, to determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. Please provide all information requested since incomplete forms cannot be processed. If we have received your response to any credit card offer from the Bank within the past 90 days, we will consider this request a duplicate. * To receive a Signature Card, you must have an annual income of at least $35,000, and you must meet our credit qualification criteria for the Signature Card. Otherwise, you may receive a Gold Card, provided you meet our credit qualification criteria for the Gold Card and have a minimum income of at least $15,000. The Gold Card does not have as many benefits as the Signature Card. * The Card Agreement ("Agreement") will be sent with your card(s). The Agreement includes a provision that, with limited exceptions, all disputes are subject to binding arbitration; arbitration replaces the right to go to court, including the right to a jury and the right to participate in a class action or similar proceeding. The Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account. We may change the Agreement at any time in accordance with applicable law and the terms of the Agreement. * The Hilton HHonors Visa Signature card comes with a no pre-set spending limit, but that does not mean unlimited spending. Each charge that causes your new balance to exceed your revolving credit line will be evaluated based on account usage and performance, other account relationships with us, if applicable, and your experience with other creditors. You must pay in full each month any amount that exceeds your revolving credit line. Your ability to charge is based on your personal spending and payment history. * To receive the 10,000 Hilton HHonors bonus points, your first purchase must occur within 60 days of your account open date. Hilton HHonors membership, earning of Points & MilesTM, and redemption of points are subject to HHonors Terms and Conditions. © 2002 Hilton HHonors Worldwide. Full details will be sent with the card. * The information above is accurate as of April 1, 2002 and is subject to change thereafter. Changes, if any, since that date can be obtained by writing to:                               Credit Card Processing Center                               P.O. Box 17043                               Wilmington, DE 19886-7043 BALANCE TRANSFER INFORMATION Balances will be transferred within approximately three weeks from the date your account is opened. In the meantime, you may need to make a payment to your other accounts to keep them in good standing. If you request to transfer multiple balances, we will transfer the balances in the order of the highest amount first. Be sure you do not transfer the amount of any disputed purchase or other charges because you may lose your dispute rights. Balance transfers cannot be accepted from other accounts issued by the Bank or its affiliates. We may send your creditors partial payments if your balance transfer request exceeds your assigned credit limit. We will not close any of the accounts from which you transfer a balance. If you wish to close another existing account, please contact the issuer directly. In order to process your balance transfer request, all requested information must be complete. In accordance with the terms of your Agreement, payments will first be applied to promotional rate balances. Balance transfers are subject to a Cash Advance transaction fee as disclosed above and may cause the APR on the statement in which the transaction(s) appear(s) to exceed the rate stated above. Here is the link: www.hhonorscard.com Ron.
