The Master "Which Issuers Will Combine Limits?" Thread

[Cappy]

I thought the EO had more power.

 

Didn't realize they can't do anything except waive and remove a AF...

 

I thought they would at least know the appropriate department if someone had an actual issue.

[Cappy]

Please post the results from the C1 EO tomorrow.

 

[MommaE]

 

I'm going to give Cap One EO a call tomorrow and see if I can get my limits combined. I have 4 of their cards. I'll report back here with my results.

Sent from my Nexus 4 using Tapatalk

Great, thank you.

 

 

I spoke with Cap One EO (Belinda). She informs me they do not combine limits. After interrogating me as to how I got that specific phone number, she offered to initiate a manual review for a CLI and APR reduction on one or two of the cards. I pressed more toward combining the limits and she then suggested the possibility of closing a few of my cards. She stated something to the affect that my limits are lower because they are spread over 4 cards and if I have less cards I could possibly be eligible for a higher limit on those specific cards (aka: max exposure). Anyhow, I may try again with a different EO rep another day. I think Shifter was calling today, too, so I'm curious as to his results.

[shifter]

After interrogating me as to how I got that specific phone number

odd.

 

I've called them about a dozen times

 

and never had anyone ask how I knew the number.

[MommaE]

 

After interrogating me as to how I got that specific phone number

odd.

 

I've called them about a dozen times

 

and never had anyone ask how I knew the number.

 

 

I called the number found here: http://creditboards.com/forums/index.php?showtopic=508282

 

Which is the same number Belinda left on my vm when we got disconnected and I had to call her back.

 

That was her first question and she was very persistent to know how I got that number and whether a CSR provided it to me.

 

I simply told her I googled Capital One's phone number and that's what I came up with, which is technically true since I used the google search feature on CB to locate the number.

However, I should have told her that I kept note of it from when Cap One EO (Evan) contacted me back in February regarding my accounts.

 

I haven't read anyone else getting the third degree about calling EO, so I was taken off-guard with the unexpected interrogation.

[cv91915]

Usually it's the PwWs that have attitudes.

[MommaE]

Usually it's the PwWs that have attitudes.

 

That may be a YMMV situation. Last time I dealt with a guy and, without question, he was much friendlier and more helpful than the woman I dealt with today.

 

When I call back for my second attempt to combine limits, I'm going to specifically ask for the guy I worked with previously.

[cv91915]

.

Edited August 28, 2014 by cv91915

[cv91915]

Will:

American Express - Revolving Cards ("donor" card must be 13 months old; must leave $500 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

NFCU

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

US Bank

http://creditboards....24538&p=5086150

Situational:

Citi

May let you steal from the CL on an existing card if that's the only way to approve you for a new card.

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

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

May let you if you escalate to a manager or to the EO.

http://creditboards....24538&p=5076230

Will Not:

Capital One

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

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

http://creditboards.com/forums/index.php?showtopic=524538&p=5089146 (even through the EO)

GECRB

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

NASA FCU

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

USAA

http://creditboards....24538&p=5049998

[cv91915]

 

 

I'm going to give Cap One EO a call tomorrow and see if I can get my limits combined. I have 4 of their cards. I'll report back here with my results.

Sent from my Nexus 4 using Tapatalk

Great, thank you.

 

 

I spoke with Cap One EO (Belinda). She informs me they do not combine limits. After interrogating me as to how I got that specific phone number, she offered to initiate a manual review for a CLI and APR reduction on one or two of the cards. I pressed more toward combining the limits and she then suggested the possibility of closing a few of my cards. She stated something to the affect that my limits are lower because they are spread over 4 cards and if I have less cards I could possibly be eligible for a higher limit on those specific cards (aka: max exposure). Anyhow, I may try again with a different EO rep another day. I think Shifter was calling today, too, so I'm curious as to his results.

 

 

Thanks. I added your experience to the list.

[cv91915]

Will:

American Express - Revolving Cards ("donor" card must be 13 months old; must leave $500 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

Commerce Bank

http://creditboards.com/forums/index.php?showtopic=533442&p=5093476

NFCU

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

US Bank

http://creditboards....24538&p=5086150

Situational:

Citi

May let you steal from the CL on an existing card if that's the only way to approve you for a new card.

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

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

May let you if you escalate to a manager or to the EO.

http://creditboards....24538&p=5076230

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

USAA

http://creditboards....24538&p=5049998

[Losluv]

I look forward to combining my last Barclay Rewards MC with my Barclay US Air. That would give me a decent credit line and rid me of a basically useless card.

[cv91915]

Will:

American Express - Revolving Cards ("donor" card must be 13 months old; must leave $500 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

Commerce Bank

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

NFCU

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

US Bank

http://creditboards....24538&p=5086150

Situational:

Citi

At approval:

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

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

http://creditboards.com/forums/index.php?showtopic=533367&p=5094556 <-- New

May let you if you escalate to a manager or to the EO.

http://creditboards....24538&p=5076230

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

USAA

http://creditboards....24538&p=5049998

[cv91915]

I'd like to hear in this thread from anyone who's attempted to combine limits on Wells Fargo and/or Discovery. Of the largest issuers, those are notably absent from my list.

 

If you have experience with ANY issuer (listed here or not), feel free to add your anecdote and I'll include it in the list.

[Cappy]

CITI UPDATE

 

Was approved for a Citi Hilton Honors Card yesterday and Citi requested more information.

 

Chat window popped up and said it can complete the app through a chat.

 

Was approved for the card.

 

I called the Recon Dep and requested a higher line, to which there response was " We can't do that, as the application is processing. Please wait until the card is showing in our system."

 

Called back today and spoke to Reg CS to check if the account posted yet and it was.

 

I requested a CLI and was denied and was transferred to a UW.

 

Was approved for a partial amount for the CLI

 

I asked about reallocating some of my other credit from other cards and she said she could move whatever I would like.

 

I decided not too at the end

 

But it seems like after requesting a CLI and speaking to a UW, you may be able to Combine Limits

Edited September 17, 2014 by Captivated

[shifter]

it's well known

 

that you can move limits from other cards

 

if it's the only way to get you approved for the new card.

[Cappy]

it's well known

 

that you can move limits from other cards

 

if it's the only way to get you approved for the new card.

This wasn't for an approval.

 

I was already approved

 

It was a CLI request for additional credit and I was offered to reallocate credit from an existing card if I wanted since the CLI was only partially approved.

Edited September 18, 2014 by Captivated

[shifter]

except the card was brand new.

[Cappy]

except the card was brand new.

Correct

 

The card is brand new

 

Except I didn't speak to a UW from new accounts at least according to the UW.

 

She said she only dealt with current accounts and because my card showed up in citi's system, she was able to speak to me.

 

I would try this with my other 2 citi cards, but I recently got cli's on both of them

[mamiso]

I just called for the first time Barclay's to transfer a portion of CL from Ring MasterCard (8% apr, no fees but no rewards) to Priceline since my AU on that card is building points for me...

 

He said he could it and it would be instantaneous...

 

I asked him if there was an "easier" way to raise my limit on the Priceline but I didn't want to hit the online LUV button because it results in a hard pull. Sometimes more than just one CRA...

 

He told me to hold... and when he came back online he said my Priceline was now 15k (from from 7.9k)

 

I said how is that possible, my RING was only at 5k.. He said he didn't touch the CL and they just decided to up my limit on the Priceline...

 

He also verified no hard pulls.. so I'll watch MPM the next few days to verify...

[shifter]

Maybe next time

 

they'll raise it to 75k without asking.

[cv91915]

Maybe next time

 

they'll raise it to 75k without asking.

 

And if they won't, there's always Photoshop.

[mamiso]

Maybe next time

 

they'll raise it to 75k without asking.

 

wouldn't that be nice LOL

 

Maybe next time

 

they'll raise it to 75k without asking.

 

And if they won't, there's always Photoshop.

 

 

Why would one use photoshop?? :-)

[mendelssohn]

 

 

Maybe next time

 

they'll raise it to 75k without asking.

wouldn't that be nice LOL

 

 

Maybe next time

 

they'll raise it to 75k without asking.

And if they won't, there's always Photoshop.

Why would one use photoshop?? :-)

Because if you want a $300K Amex, that's the only way to do it.

[mamiso]

Hey CV...

 

any GPs for the Synchrony experiment?

 

I would but you already know my experience with them....