whats the difference between signature and non-signature?
Small stuff like Signature concierge and some other moderately valuable benefits that nobody really uses. But maybe he found a use for it.
Should I ask for a credit analyst?
The difference is actually much bigger. Signature cards don't have a real preset credit limit, therefore your not getting a real accurate credit utilization.
Signature cards may allow you to go over your CL, but the CL is still the CL that shows up on your report. Have you seen a credit report lately?
I tried doing it too, to no avail.
yes, I have. Unless I'm missing something, they don't report the CL to the credit bureau.
You are missing something, because all credit cards report the CL to the bureaus.
What did they tell you when you asked?