What is ‘Universal CD CBNA’?

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I just read this on my credit report and I’m not sure what it means. Should I be worried?

WalletHub, Financial Company

@WalletHub • 08/30/18 This answer was first published on 07/12/17 and it was last updated on 08/30/18.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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“Universal CD CBNA” on a credit report refers to the AT&T Universal Savings Platinum Credit Card, which is no longer available to new applicants.

“Universal” is short for AT&T Universal Savings. “CD” stands for card. And “CBNA” is an acronym for CitiBank North America. Don’t mistake this for Credit Bureau of North America; Community Bank, N.A.; or Comenity Bank!

So seeing “Universal CD CBNA” on your credit report is no cause for concern if you have an AT&T Citicard. But if that’s not the case, make sure to follow these steps for addressing an unauthorized credit inquiry.

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Mark Farms, Member

@mark_farms • 02/01/18 This answer was first published on 02/01/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It's an AT&T credit card, issued by CitiBank.

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Todd Briggs, Member

@todd_briggs • 12/05/17 This answer was first published on 12/05/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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If you have an old AT&T credit card, that's what it's about. It's from CitiBank, hence CBNA.

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