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The Master "Which Issuers Will Combine Limits?" Thread


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Piece of garbage!     (the card, not you 😛 )   Maybe call and see if Retention will refund the AF.  Some "travel" cards are doing that.   If you need a new travel charge,

New Update.  US Bank needs to be changed.  DW just called and spoke with UW department about combining limits on her 2 cards (requested a credit line swap as previously indicated).  Was told by the UW

🦙

 

Can we add US Bank...also, does anyone know if they will reallocate a card holder's CL to a new app (denied) like CIti?

Yes. I was declined a personal card and for having too much credit and closed a business card to open the personal card. They also let you combine limits from any card to another card. It's not instant like Chase or others, but it will be done by the next day.

 

 

I can also confirm this (US Bank). Called UW (took two calls) and they said moving limits isn't a problem at all. Also, if the donor card is at a zero balance you can move the entire donot limit and close the card.

 

:)

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As a point of reference, the credit limit on this card is higher than the sum of all of my credit cards combined as of 3/1/13. :D

 

 

Bravo CV.

 

 

On another note, does anyone know if PNC combines? I just got issued two 20k cards w/ 300 dollar sign up bonuses attached to each.. So I would love to combine these cards after I hit the spend.

 

 

I'm interested in knowing this as well. They issue a lot of cards.

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My Barclays experience was painless.

 

I started with:

 

$2,050 Rewards MC, opened June 2013

$8,850 Arrival+ MC, opened June 2014

$10,000 US Airways MC, opened July 2014

$2,500 Miles & More MC, opened September 2014

 

I called regular customer service and explained what I wanted to do, and they transferred me to the credit department.

 

I closed the Arrival+ and US Airways cards and moved the full CLs to the Miles & More.

 

Now:

 

$2,050 Rewards MC

$21,050 Miles & More MC

Edited by mendelssohn
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I just got a Chase Amazon card and was approved with a $500 limit, which seemed low given my 800+ FICO score and low utilization. Turns out the reason was I had a Chase Freedom card with a large unused credit line.

 

Upon my request, the rep was able to redistribute as much credit line as I wanted from the Freedom card to the Amazon card -- which I want to use for the 3% off Amazon and the 2% for gas/groceries.

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  • 3 weeks later...

Will:



American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card)


http://creditboards....24538&p=4982507


http://creditboards....18868&p=5046586



Bank of America (may require an additional hard pull)


http://creditboards....23680&p=4973996



Barclays (Regular CSRs may not know this is possible, but the credit department can combine limits. Call them directly at 866-408-4064.)


http://creditboards....21905&p=5055473


http://creditboards....howtopic=487490


http://creditboards....24538&p=5049983



Chase


http://creditboards....66509&p=4884063



Citi - EO is the only successful path reported <--- NEW


http://creditboards....24538&p=5148139



Commerce Bank


http://creditboards....33442&p=5093476



US Bank


http://creditboards....24538&p=5162327 <--- Updated/reconfirmed



Situational:



Citi - At approval:


http://creditboards....4413&p=4981395)


http://creditboards....30153&p=5049443


http://creditboards....33367&p=5094556



NFCU - YMMV


http://creditboards.com/forums/index.php?showtopic=524538&p=5179422 <----- Latest word (1/9/15) is yes


http://creditboards....howtopic=536784


http://creditboards....24538&p=5145342


http://creditboards....24538&p=4986200




Will Not:



Capital One


http://creditboards....24538&p=4986352


http://creditboards....32263&p=5076196


http://creditboards....24538&p=5089146 (even through the EO)



GECRB


http://creditboards....24538&p=4983844



NASA FCU


http://creditboards....24221&p=4984470


http://creditboards....34206&p=5118862



USAA


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why did you get rid of the Flagship?

 

that's the only one that has growth potential.

 

Paying an AF for a card I didn't use was pointless. I'm okay with the fact that the cashRewards can only go to $50k. My Merrill+ card has more upwards potential in the future vs. the Flagship anyways.

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Just got off the phone with Citi EO...

 

Couldn't get a CLI but was offered REALLOCATION without any questions...

 

I didn't take the offer, but just reconfirming that it could definitely be done VIA EO...

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Will:



American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card)


http://creditboards....24538&p=4982507


http://creditboards....18868&p=5046586



Bank of America (may require an additional hard pull)


http://creditboards....23680&p=4973996



Barclays (Regular CSRs may not know this is possible, but the credit department can combine limits. Call them directly at 866-408-4064.)


http://creditboards....21905&p=5055473


http://creditboards....howtopic=487490


http://creditboards....24538&p=5049983



Chase


http://creditboards....66509&p=4884063



Citi - EO is the only successful path reported


http://creditboards....24538&p=5148139


http://creditboards.com/forums/index.php?showtopic=524538&p=5179546 <--- Confirmed



Commerce Bank


http://creditboards....33442&p=5093476



US Bank


http://creditboards....24538&p=5162327 <--- Updated/reconfirmed



Situational:



Citi - At approval:


http://creditboards....4413&p=4981395)


http://creditboards....30153&p=5049443


http://creditboards....33367&p=5094556



NFCU - YMMV


http://creditboards....24538&p=5179422 <----- Latest word (1/9/15) is yes


http://creditboards....howtopic=536784


http://creditboards....24538&p=5145342


http://creditboards....24538&p=4986200




Will Not:



Capital One


http://creditboards....24538&p=4986352


http://creditboards....32263&p=5076196


http://creditboards....24538&p=5089146 (even through the EO)



GECRB


http://creditboards....24538&p=4983844



NASA FCU


http://creditboards....24221&p=4984470


http://creditboards....34206&p=5118862



USAA


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  • 2 weeks later...

I was able to move $1500 (crappy $2k limit) from a 23 mo old BCP that was unused and not worth paying the AF on to my Hilton Surpass card which was opened 9/2014. I also tried to take $500 from my $1k toy SPG personal card also approaching the AF date but got a 7-10 day excuse. I did this because I have tried numerous times in the past to get a CLI on either the BCP or SPG but was denied for various bs reasons. The Surpass was the first card that Amex granted a CLI on from $7k to $17k.

 

Two things learned here-$1k and $2k toy limit cards, at least for me, will not be granted a CLI by Amex. In fairness, both of these cards were acquired when my scores were south of 700 and I burned them on a green card 20 years ago. More importantly, if you get the right chat rep, they will reallocate TLs over 13 months old to a card less than 13 months old.

Edited by rjb75
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Can we add US Bank...also, does anyone know if they will reallocate a card holder's CL to a new app (denied) like CIti?

Yes. I was declined a personal card and for having too much credit and closed a business card to open the personal card. They also let you combine limits from any card to another card. It's not instant like Chase or others, but it will be done by the next day.

I can also confirm this (US Bank). Called UW (took two calls) and they said moving limits isn't a problem at all. Also, if the donor card is at a zero balance you can move the entire donot limit and close the card.

 

:)

Did you happen to find out how old the donor / recipient accounts must be, or if there are requirements at all?

 

I really never see myself using the FlexPerks Amex and if I move the CL over to the Cash+ it would give me a good non-CU prybar.

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Can we add US Bank...also, does anyone know if they will reallocate a card holder's CL to a new app (denied) like CIti?

Yes. I was declined a personal card and for having too much credit and closed a business card to open the personal card. They also let you combine limits from any card to another card. It's not instant like Chase or others, but it will be done by the next day.

I can also confirm this (US Bank). Called UW (took two calls) and they said moving limits isn't a problem at all. Also, if the donor card is at a zero balance you can move the entire donot limit and close the card.

 

:)

Did you happen to find out how old the donor / recipient accounts must be, or if there are requirements at all?

 

I really never see myself using the FlexPerks Amex and if I move the CL over to the Cash+ it would give me a good non-CU prybar.

 

 

No. I didn't ask that. Probably should have. :(

 

Next time I call I'll ask and post. Added to my US Bank notes.

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