cv91915 Posted September 10, 2015 Author Share Posted September 10, 2015 US Bank calls it a 'line swap', and it costs a hard inquiry (TU for me yesterday). Moved a 5k limit and closed the card - reflected this morning. Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. Quote Link to comment Share on other sites More sharing options...
Tyra Posted September 15, 2015 Share Posted September 15, 2015 Message navy yesterday about combining limits and got this message. Navy Federal Response 11/16/2014 : Thank you for your message. At this time we are no longer moving credit limits in between existing credit card accounts. If you would like an increase on your existing Flagship account, we will need for you to submit for a credit limit increase for review by the Credit Card Lending Team. I've struck out twice now in attempts to do this. I get the same message as listed above. Quote Link to comment Share on other sites More sharing options...
tammylj Posted September 16, 2015 Share Posted September 16, 2015 Called Chase back door today and moved my CSP limit over to Freedom. I did not have to leave $500 on the CSP and the full amount was transferred. Freedom is now $35k. Very easy and showed up in my online account in about 10 minutes. Quote Link to comment Share on other sites More sharing options...
ubercat Posted September 16, 2015 Share Posted September 16, 2015 US Bank calls it a 'line swap', and it costs a hard inquiry (TU for me yesterday). Moved a 5k limit and closed the card - reflected this morning. Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. Just a quick update: My closed card has finally been removed (today) from my online banking account. So that's well over a month to complete the process from the first call to closing the donor card. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted September 16, 2015 Author Share Posted September 16, 2015 US Bank calls it a 'line swap', and it costs a hard inquiry (TU for me yesterday). Moved a 5k limit and closed the card - reflected this morning. Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. Just a quick update: My closed card has finally been removed (today) from my online banking account. So that's well over a month to complete the process from the first call to closing the donor card. My grandfather would probably post something like this, if he had an iPad. Quote Link to comment Share on other sites More sharing options...
ubercat Posted September 17, 2015 Share Posted September 17, 2015 US Bank calls it a 'line swap', and it costs a hard inquiry (TU for me yesterday). Moved a 5k limit and closed the card - reflected this morning. Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. Just a quick update: My closed card has finally been removed (today) from my online banking account. So that's well over a month to complete the process from the first call to closing the donor card. My grandfather would probably post something like this, if he had an iPad. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted September 17, 2015 Author Share Posted September 17, 2015 US Bank calls it a 'line swap', and it costs a hard inquiry (TU for me yesterday). Moved a 5k limit and closed the card - reflected this morning. Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. Just a quick update: My closed card has finally been removed (today) from my online banking account. So that's well over a month to complete the process from the first call to closing the donor card. My grandfather would probably post something like this, if he had an iPad. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted September 27, 2015 Author Share Posted September 27, 2015 (edited) US Bank calls it a 'line swap', and it costs a hard inquiry (TU for me yesterday). Moved a 5k limit and closed the card - reflected this morning. Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. If you believe the automated phone system at US Bank, the Club Carlson Visa's $22,000 limit is still intact. A couple of other updates are below. I will add these back to the running list of updates in the correct chronological sequence the next time I post a new update. The letters that I reference were in a stack of mail that I finally got around to reading. Note again that Club Carlson is the donor card, and the FlexPerks is the recipient. 8/25: US Bank mailed me a letter with this date, telling me that my request for a CLI on the FlexPerks card was declined. Reason: "Conflicting application information." I didn't request a standalone CLI, but apparently the line swap request follows some alternate process that's based on how CLIs are handled. 8/28: US Bank mailed me a letter with this date, informing me that I've been given a CLI to $47,000 on the FlexPerks card "...in recognition of the exceptional way you handle your account." Also, this isn't exactly breaking news, but the decline letter cited my "FICO Risk Score Classic 04 Bankcard" score, which ranges from 250 to 873. Edited September 27, 2015 by cv91915 Quote Link to comment Share on other sites More sharing options...
GR8WhiTE Posted October 8, 2015 Share Posted October 8, 2015 (edited) I haven't been on for quite a while. About 6-7 weeks ago I got my mother an increase on her FIA card from 15k to 25k. I was also able to get her the BOA cash Rewards card. They started her with 10k but we recond it and got her started with 25k instead. My question is, when would it be okay to combine these 2 cards so she can have a 50k limit? I feel it's too soon to just do it now. Edited October 8, 2015 by GR8WhiTE Quote Link to comment Share on other sites More sharing options...
cv91915 Posted October 8, 2015 Author Share Posted October 8, 2015 I haven't been on for quite a while. About 6-7 weeks ago I got my mother an increase on her FIA card from 15k to 25k. I was also able to get her the BOA cash Rewards card. They started her with 10k but we recond it and got her started with 25k instead. My question is, when would it be okay to combine these 2 cards so she can have a 50k limit? I feel it's too soon to just do it now. I am not aware of any timing limitations for moving limits. Last year within a few weeks I opened a Privileges, Fidelity Amex and a Merrill+, and shuffled the limits around to get the Privileges card to $55,000. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted October 8, 2015 Author Share Posted October 8, 2015 Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/25: US Bank mailed me a letter telling me that my request for a CLI on the FlexPerks card was declined. Reason: "Conflicting application information." I didn't request a standalone CLI, but apparently the line swap request follows some alternate process that's based on how CLIs are handled. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/28: US Bank mailed me a letter informing me that I've been given a CLI to $47,000 on the FlexPerks card "...in recognition of the exceptional way you handle your account." 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. 10/8: Calls to the automated customer service line for the Club Carlson Visa still indicate that there is $22,000 in available credit on the card that I closed. The card also still appears online. Previous data suggests that the entire limit was moved on or about 8/31. Quote Link to comment Share on other sites More sharing options...
GR8WhiTE Posted October 9, 2015 Share Posted October 9, 2015 I haven't been on for quite a while. About 6-7 weeks ago I got my mother an increase on her FIA card from 15k to 25k. I was also able to get her the BOA cash Rewards card. They started her with 10k but we recond it and got her started with 25k instead. My question is, when would it be okay to combine these 2 cards so she can have a 50k limit? I feel it's too soon to just do it now. I am not aware of any timing limitations for moving limits. Last year within a few weeks I opened a Privileges, Fidelity Amex and a Merrill+, and shuffled the limits around to get the Privileges card to $55,000. Ok that's great. Thanks CV. I'll wait a month or two before I combine. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted October 22, 2015 Author Share Posted October 22, 2015 Adding some data points while I go through this process: 8/24: If the resulting line on the recipient card is over $25,000, US Bank requires the first two pages of the prior year's 1040. Your tax return can be either mailed or faxed. If you take it in to a US Bank branch, they will fax it for you. I had a branch fax it for me, and when I called two business days later they confirmed receipt of the fax. 8/25: US Bank mailed me a letter telling me that my request for a CLI on the FlexPerks card was declined. Reason: "Conflicting application information." I didn't request a standalone CLI, but apparently the line swap request follows some alternate process that's based on how CLIs are handled. 8/26: I asked them to complete the line swap since they had the fax, but the AF had been charged on the donor card (which I was closing), so the donor card had a balance of $75. They were willing to move all but $500 from the donor card to the recipient card, but I wanted to move the entire line. I was advised to call customer service for options, since they couldn't refund the AF on the card I was closing. 8/26: I called the customer service number on the back of my card. They issued an AF refund, which they said should post in two days, at which time I can call back the underwriting department to complete the line swap. 8/27: I checked first thing in the morning and the AF credit had already posted. The card now has a zero balance. I called the credit card underwriter number again and they were able to submit the request to move the entire limit from the card I'm closing over to the surviving card. The process will take 3-5 business days, and I will receive a letter in the mail when it's complete. Obviously I will also be able to check online in the interim. 8/28: Hard inquiry on TU. 8/28: US Bank mailed me a letter informing me that I've been given a CLI to $47,000 on the FlexPerks card "...in recognition of the exceptional way you handle your account." 8/30 and 8/31: I used the automated customer service line on the donor card. The original limit for the donor card was still on record. 9/1: I used the automated customer service line on the donor card. The original limit for the donor card was still on record, however I also called the number for the recipient card, and the combined limits of both cards is the credit limit of record. The donor card still looks the same online. 9/2 - 9/10: Calls to the automated customer service system yielded identical results as they did on 9/1. 9/4: I received an alert that the new limit on the recipient card was reported to Experian on 8/31. 10/8: Calls to the automated customer service line for the Club Carlson Visa still indicate that there is $22,000 in available credit on the card that I closed. The card also still appears online. Previous data suggests that the entire limit was moved on or about 8/31. Sometime between my 10/8 update, above, and this morning, calls to the US Bank automated phone system no longer provide an account summary when I dial in and authenticate. The call gets routed to an agent for assistance. The Club Carlson card is also no longer available on my account page on usbank.com. From start to finish, my experience combining and closing these accounts took almost 60 days. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted October 22, 2015 Author Share Posted October 22, 2015 Will: American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card) Call the number on the back of your card, or use the self-serve link in this post: http://creditboards....24538&p=5225137 Note that in order to use the self-serve link, both Amices must be linked to the same login. 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 Capital One (post 7/9/15) Watch the story unfold here. Capital One (As of 7/9/15) - FEATURE REMOVED FROM WEB SITE - Check back for updates https://creditboards...45970&p=5305217 Capital One (As of 7/8/15) - Donor card must be at least 6 months old, in good standing and have $0 balance and no pending charges. Accounts can be linked and combined online. Donor card is closed automatically upon completion. https://creditboards...howtopic=545970 (Older "no" threads): http://creditboards....24538&p=4986352 http://creditboards....32263&p=5076196 http://creditboards....24538&p=5089146 (even through the EO) Chase CSRs can do this. Call the number on the back of your card: http://creditboards....24538&p=5216420 ($500 must remain on donor card; limit > $35,000 on the "receiving card" must be approved by a senior credit analyst) http://creditboards....66509&p=4884063 Call to backdoor number [(888) 298-5623] got the entire credit limit moved, with no residual required on the donor card: https://creditboards...24538&p=5294342 Citi (As of early 2015) https://creditboards...24538&p=5326379Four cards into one via regular CS, resulted in inquiry https://creditboards...24538&p=5264492(Via regular CS, with persistence) http://creditboards....24538&p=5237895 (Via AA Exec CS) http://creditboards....24538&p=5246949 (Via Citi AA CS) http://creditboards....24538&p=5179546 (Via Citi EO) Citi (previously only at approval): http://creditboards....4413&p=4981395) http://creditboards....30153&p=5049443 http://creditboards....33367&p=5094556 Commerce Bank http://creditboards....33442&p=5093476 US Bank https://creditboards.com/forums/index.php?showtopic=524538&p=5361490<--- NEW: Detailed chronology of the 30-60 day process https://creditboards...24538&p=5321390"Line swap" results in an inquiry. http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) http://creditboards....24538&p=5244975 http://creditboards....24538&p=5247467 YMMV NFCU https://creditboards...opic=543285&hl= http://creditboards....24538&p=5179422 http://creditboards....howtopic=536784 http://creditboards....24538&p=5145342 http://creditboards....24538&p=4986200 Will Not: NASA FCU http://creditboards....24221&p=4984470 http://creditboards....34206&p=5118862 Synchrony http://creditboards....24538&p=4983844 USAA http://creditboards....24538&p=5049998 Quote Link to comment Share on other sites More sharing options...
shifter Posted November 4, 2015 Share Posted November 4, 2015 PNC should be added to the "will" list. I just called the UW number and had them move part of one CL to another card. Quote Link to comment Share on other sites More sharing options...
GR8WhiTE Posted November 26, 2015 Share Posted November 26, 2015 I wonder if combining US Bank on the biz side it's easier. It seemed easy about 7-8 months ago. Unless the overall picture changed with them. Quote Link to comment Share on other sites More sharing options...
ubercat Posted November 26, 2015 Share Posted November 26, 2015 US Bank is very slow. Took over 10 days for a recent approval. I received the welcome email at two weeks. ...but when they eventually get around to it, they're usually generous. That's my experience anyway. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 2, 2016 Author Share Posted April 2, 2016 Will: American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card) Call the number on the back of your card, or use the self-serve link in this post: http://creditboards....24538&p=5225137 Note that in order to use the self-serve link, both Amices must be linked to the same login. 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 Capital One (post 7/9/15) Watch the story unfold here. Capital One (As of 7/9/15) - FEATURE REMOVED FROM WEB SITE - Check back for updates https://creditboards...45970&p=5305217 Capital One (As of 7/8/15) - Donor card must be at least 6 months old, in good standing and have $0 balance and no pending charges. Accounts can be linked and combined online. Donor card is closed automatically upon completion. https://creditboards...howtopic=545970 (Older "no" threads): http://creditboards....24538&p=4986352 http://creditboards....32263&p=5076196 http://creditboards....24538&p=5089146 (even through the EO) Chase CSRs can do this. Call the number on the back of your card: http://creditboards....24538&p=5216420 ($500 must remain on donor card; limit > $35,000 on the "receiving card" must be approved by a senior credit analyst) http://creditboards....66509&p=4884063 Call to backdoor number [(888) 298-5623] got the entire credit limit moved, with no residual required on the donor card: https://creditboards...24538&p=5294342 Citi (As of early 2015) https://creditboards...24538&p=5326379Four cards into one via regular CS, resulted in inquiry https://creditboards...24538&p=5264492(Via regular CS, with persistence) http://creditboards....24538&p=5237895 (Via AA Exec CS) http://creditboards....24538&p=5246949 (Via Citi AA CS) http://creditboards....24538&p=5179546 (Via Citi EO) Citi (previously only at approval): http://creditboards....4413&p=4981395) http://creditboards....30153&p=5049443 http://creditboards....33367&p=5094556 Commerce Bank http://creditboards....33442&p=5093476 PNC <-- New https://creditboards.com/forums/index.php?showtopic=524538&p=5368248 US Bank https://creditboards.com/forums/index.php?showtopic=524538&p=5361490 <--- NEW: Detailed chronology of the 30-60 day process https://creditboards...24538&p=5321390"Line swap" results in an inquiry. http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) http://creditboards....24538&p=5244975 http://creditboards....24538&p=5247467 YMMV NFCU https://creditboards...opic=543285&hl= http://creditboards....24538&p=5179422 http://creditboards....howtopic=536784 http://creditboards....24538&p=5145342 http://creditboards....24538&p=4986200 Will Not: NASA FCU http://creditboards....24221&p=4984470 http://creditboards....34206&p=5118862 Synchrony http://creditboards....24538&p=4983844 USAA http://creditboards....24538&p=5049998 Quote Link to comment Share on other sites More sharing options...
hawaiigirl Posted April 2, 2016 Share Posted April 2, 2016 Re Amex self-serve page. Last month I successfully reallocated a chunk of Costco funds to BCP. A couple of days later, I wanted to do it for another two cards and it was declined. The notice I received stated that only one reallocation can be done per month. So I tried again and it worked after the month was up. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 3, 2016 Author Share Posted April 3, 2016 Will: American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card) Call the number on the back of your card, or use the self-serve link in this post: http://creditboards....24538&p=5225137 Note that in order to use the self-serve link, both Amices must be linked to the same login. http://creditboards....24538&p=4982507 http://creditboards....18868&p=5046586 https://creditboards.com/forums/index.php?showtopic=524538&p=5450462(only one limit reallocation permitted per month) <-- NEW 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 Capital One (post-7/9/15) Watch the story unfold here. Capital One (As of 7/9/15) https://creditboards...45970&p=5305217 Capital One (As of 7/8/15) - Donor card must be at least 6 months old, in good standing and have $0 balance and no pending charges. Accounts can be linked and combined online. Donor card is closed automatically upon completion. https://creditboards...howtopic=545970 (Older "no" threads): http://creditboards....24538&p=4986352 http://creditboards....32263&p=5076196 http://creditboards....24538&p=5089146 (even through the EO) Chase CSRs can do this. Call the number on the back of your card: http://creditboards....24538&p=5216420 ($500 must remain on donor card; limit > $35,000 on the "receiving card" must be approved by a senior credit analyst) http://creditboards....66509&p=4884063 Call to backdoor number [(888) 298-5623] got the entire credit limit moved, with no residual required on the donor card: https://creditboards...24538&p=5294342 Citi (As of early 2015) https://creditboards...24538&p=5326379Four cards into one via regular CS, resulted in inquiry https://creditboards...24538&p=5264492(Via regular CS, with persistence) http://creditboards....24538&p=5237895 (Via AA Exec CS) http://creditboards....24538&p=5246949 (Via Citi AA CS) http://creditboards....24538&p=5179546 (Via Citi EO) Citi (previously only at approval): http://creditboards....4413&p=4981395) http://creditboards....30153&p=5049443 http://creditboards....33367&p=5094556 Commerce Bank http://creditboards....33442&p=5093476 PNC <-- New https://creditboards.com/forums/index.php?showtopic=524538&p=5368248 US Bank https://creditboards...24538&p=5361490 Detailed chronology of the 30-60 day process https://creditboards...24538&p=5321390"Line swap" results in an inquiry. http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) http://creditboards....24538&p=5244975 http://creditboards....24538&p=5247467 YMMV NFCU https://creditboards...opic=543285&hl= http://creditboards....24538&p=5179422 http://creditboards....howtopic=536784 http://creditboards....24538&p=5145342 http://creditboards....24538&p=4986200 Will Not: NASA FCU http://creditboards....24221&p=4984470 http://creditboards....34206&p=5118862 Synchrony http://creditboards....24538&p=4983844 USAA http://creditboards....24538&p=5049998 Quote Link to comment Share on other sites More sharing options...
Cappy Posted May 1, 2016 Share Posted May 1, 2016 Mendel and myself have reported that recently BOA has been Combining limits via SP. https://creditboards.com/forums/index.php?showtopic=558296&p=5465386 I asked the UW if it would be a hard of soft and he told me it would be a soft. I asked a few more times and he said 100% and he was correct. I asked if it was a policy change and he only could answer " we change policy's when needed" In any case, BOA may have changed... Quote Link to comment Share on other sites More sharing options...
cv91915 Posted May 1, 2016 Author Share Posted May 1, 2016 Will: American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card) Call the number on the back of your card, or use the self-serve link in this post: http://creditboards....24538&p=5225137 Note that in order to use the self-serve link, both Amices must be linked to the same login. http://creditboards....24538&p=4982507 http://creditboards....18868&p=5046586 https://creditboards.com/forums/index.php?showtopic=524538&p=5450462(only one limit reallocation permitted per month) Bank of America (may require an additional hard pull) https://creditboards.com/forums/index.php?showtopic=524538&p=5466743(recent reports suggest that B of A is using SPs. Previously, HPs were virtually guaranteed) <-- NEW 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 Capital One (post-7/9/15) Watch the story unfold here. Capital One (As of 7/9/15) https://creditboards...45970&p=5305217 Capital One (As of 7/8/15) - Donor card must be at least 6 months old, in good standing and have $0 balance and no pending charges. Accounts can be linked and combined online. Donor card is closed automatically upon completion. https://creditboards...howtopic=545970 (Older "no" threads): http://creditboards....24538&p=4986352 http://creditboards....32263&p=5076196 http://creditboards....24538&p=5089146 (even through the EO) Chase CSRs can do this. Call the number on the back of your card: http://creditboards....24538&p=5216420 ($500 must remain on donor card; limit > $35,000 on the "receiving card" must be approved by a senior credit analyst) http://creditboards....66509&p=4884063 Call to backdoor number [(888) 298-5623] got the entire credit limit moved, with no residual required on the donor card: https://creditboards...24538&p=5294342 Citi (As of early 2015) https://creditboards...24538&p=5326379Four cards into one via regular CS, resulted in inquiry https://creditboards...24538&p=5264492(Via regular CS, with persistence) http://creditboards....24538&p=5237895 (Via AA Exec CS) http://creditboards....24538&p=5246949 (Via Citi AA CS) http://creditboards....24538&p=5179546 (Via Citi EO) Citi (previously only at approval): http://creditboards....4413&p=4981395) http://creditboards....30153&p=5049443 http://creditboards....33367&p=5094556 Commerce Bank http://creditboards....33442&p=5093476 PNC https://creditboards.com/forums/index.php?showtopic=524538&p=5368248 US Bank https://creditboards...24538&p=5361490 Detailed chronology of the 30-60 day process https://creditboards...24538&p=5321390"Line swap" results in an inquiry. http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) http://creditboards....24538&p=5244975 http://creditboards....24538&p=5247467 YMMV NFCU https://creditboards...opic=543285&hl= http://creditboards....24538&p=5179422 http://creditboards....howtopic=536784 http://creditboards....24538&p=5145342 http://creditboards....24538&p=4986200 Will Not: NASA FCU http://creditboards....24221&p=4984470 http://creditboards....34206&p=5118862 Synchrony http://creditboards....24538&p=4983844 USAA http://creditboards....24538&p=5049998 Quote Link to comment Share on other sites More sharing options...
hegemony Posted May 1, 2016 Share Posted May 1, 2016 I tried three different numbers and various levels of CSRs to combo with Comenity and was told by each their system does not have that capacity. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted May 2, 2016 Author Share Posted May 2, 2016 (edited) Will: American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card) Call the number on the back of your card, or use the self-serve link in this post: http://creditboards....24538&p=5225137 Note that in order to use the self-serve link, both Amices must be linked to the same login. http://creditboards....24538&p=4982507 http://creditboards....18868&p=5046586 https://creditboards.com/forums/index.php?showtopic=524538&p=5450462(only one limit reallocation permitted per month) Bank of America (may require an additional hard pull) https://creditboards.com/forums/index.php?showtopic=524538&p=5466743(recent reports suggest that B of A is using SPs. Previously, HPs were virtually guaranteed) <-- NEW 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 Capital One (post-7/9/15) Watch the story unfold here. Capital One (As of 7/9/15) https://creditboards...45970&p=5305217 Capital One (As of 7/8/15) - Donor card must be at least 6 months old, in good standing and have $0 balance and no pending charges. Accounts can be linked and combined online. Donor card is closed automatically upon completion. https://creditboards...howtopic=545970 (Older "no" threads): http://creditboards....24538&p=4986352 http://creditboards....32263&p=5076196 http://creditboards....24538&p=5089146 (even through the EO) Chase CSRs can do this. Call the number on the back of your card: http://creditboards....24538&p=5216420 ($500 must remain on donor card; limit > $35,000 on the "receiving card" must be approved by a senior credit analyst) http://creditboards....66509&p=4884063 Call to backdoor number [(888) 298-5623] got the entire credit limit moved, with no residual required on the donor card: https://creditboards...24538&p=5294342 Citi (As of early 2015) https://creditboards...24538&p=5326379Four cards into one via regular CS, resulted in inquiry https://creditboards...24538&p=5264492(Via regular CS, with persistence) http://creditboards....24538&p=5237895 (Via AA Exec CS) http://creditboards....24538&p=5246949 (Via Citi AA CS) http://creditboards....24538&p=5179546 (Via Citi EO) Citi (previously only at approval): http://creditboards....4413&p=4981395) http://creditboards....30153&p=5049443 http://creditboards....33367&p=5094556 Commerce Bank http://creditboards....33442&p=5093476 PNC https://creditboards.com/forums/index.php?showtopic=524538&p=5368248 US Bank https://creditboards...24538&p=5361490 Detailed chronology of the 30-60 day process https://creditboards...24538&p=5321390"Line swap" results in an inquiry. http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) http://creditboards....24538&p=5244975 http://creditboards....24538&p=5247467 YMMV NFCU https://creditboards...opic=543285&hl= http://creditboards....24538&p=5179422 http://creditboards....howtopic=536784 http://creditboards....24538&p=5145342 http://creditboards....24538&p=4986200 Will Not: Comenity https://creditboards.com/forums/index.php?showtopic=524538&p=5466884 <-- NEW NASA FCU http://creditboards....24221&p=4984470 http://creditboards....34206&p=5118862 Synchrony http://creditboards....24538&p=4983844 USAA http://creditboards....24538&p=5049998 Edited May 2, 2016 by cv91915 Journeyjeans 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted May 17, 2016 Author Share Posted May 17, 2016 (edited) Will: American Express - Revolving Cards ("donor" card must have 13 or more closed statements; you must leave $500 - $1,000 on "donor" card) Call the number on the back of your card, or use the self-serve link in this post: http://creditboards....24538&p=5225137 Note that in order to use the self-serve link, both Amices must be linked to the same login. http://creditboards....24538&p=4982507 http://creditboards....18868&p=5046586 https://creditboards.com/forums/index.php?showtopic=524538&p=5450462(only one limit reallocation permitted per month) Bank of America (may require an additional hard pull) https://creditboards.com/forums/index.php?showtopic=524538&p=5466743(recent reports suggest that B of A is using SPs. Previously, HPs were virtually guaranteed) <-- NEW 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 Capital One (post-7/9/15) Watch the story unfold here. Capital One (As of 7/9/15) https://creditboards...45970&p=5305217 Capital One (As of 7/8/15) - Donor card must be at least 6 months old, in good standing and have $0 balance and no pending charges. Accounts can be linked and combined online. Donor card is closed automatically upon completion. https://creditboards...howtopic=545970 (Older "no" threads): http://creditboards....24538&p=4986352 http://creditboards....32263&p=5076196 http://creditboards....24538&p=5089146 (even through the EO) Chase CSRs can do this. Call the number on the back of your card: http://creditboards....24538&p=5216420 ($500 must remain on donor card; limit > $35,000 on the "receiving card" must be approved by a senior credit analyst) http://creditboards....66509&p=4884063 Call to backdoor number [(888) 298-5623] got the entire credit limit moved, with no residual required on the donor card: https://creditboards...24538&p=5294342 Citi (As of early 2015) https://creditboards...24538&p=5326379Four cards into one via regular CS, resulted in inquiry https://creditboards...24538&p=5264492(Via regular CS, with persistence) http://creditboards....24538&p=5237895 (Via AA Exec CS) http://creditboards....24538&p=5246949 (Via Citi AA CS) http://creditboards....24538&p=5179546 (Via Citi EO) Citi (previously only at approval): http://creditboards....4413&p=4981395) http://creditboards....30153&p=5049443 http://creditboards....33367&p=5094556 Commerce Bank http://creditboards....33442&p=5093476 PNC https://creditboards.com/forums/index.php?showtopic=524538&p=5368248 US Bank https://creditboards...24538&p=5361490 Detailed chronology of the 30-60 day process https://creditboards...24538&p=5321390"Line swap" results in an inquiry. http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) http://creditboards....24538&p=5244975 http://creditboards....24538&p=5247467 YMMV NFCU https://creditboards...opic=543285&hl= http://creditboards....24538&p=5179422 http://creditboards....howtopic=536784 http://creditboards....24538&p=5145342 http://creditboards....24538&p=4986200 Will Not: Comenity https://creditboards.com/forums/index.php?showtopic=524538&p=5466884 Discovery https://creditboards.com/forums/index.php?showtopic=567295&p=5475684 <-- NEW NASA FCU http://creditboards....24221&p=4984470 http://creditboards....34206&p=5118862 Synchrony http://creditboards....24538&p=4983844 USAA http://creditboards....24538&p=5049998 Edited May 17, 2016 by cv91915 Quote Link to comment Share on other sites More sharing options...
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