The Master "Which Issuers Will Combine Limits?" Thread

[shifter]

the key to moving limits with Chase is to avoid the front line CSRs.

 

I've heard plenty of "nos" from them.

 

I always call the backdoor credit analyst and they transfer me to a backdoor limit manager.

 

I've never heard a "no" from them.

[GR8WhiTE]

the key to moving limits with Chase is to avoid the front line CSRs.I've heard plenty of "nos" from them.I always call the backdoor credit analyst and they transfer me to a backdoor limit manager.I've never heard a "no" from them.

Me too. I call the consolidation department.

[GR8WhiTE]

Curious if Statefarm bank combines. I might test the waters soon.

[cv91915]

Curious if Statefarm bank combines. I might test the waters soon.

How many of their sh1tty cards can one person have?

[GR8WhiTE]

 

Curious if Statefarm bank combines. I might test the waters soon.

How many of their sh1tty cards can one person have?

 

hahaha...

 

I'd do it for the limit.

[cv91915]

 

 

Curious if Statefarm bank combines. I might test the waters soon.

 

How many of their sh1tty cards can one person have?

hahaha...

 

I'd do it for the limit.

You'd do it for less than that.

[GR8WhiTE]

 

 

 

Curious if Statefarm bank combines. I might test the waters soon.

How many of their sh1tty cards can one person have?

hahaha...

 

I'd do it for the limit.

You'd do it for less than that.

 

[funkiehouse]

 

 

 

Will:

American Express - Revolving Cards ("donor" card must be 13 months old have 13 or more closed statements; must leave $500 - $1,000 on "donor" card) <-- Subtle refinements based on 10/22 call to Amex

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

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

 

How long do you have to keep the donor card open after transferring credit?

 

 

Just until the limit is transferred. If your donor car is at least 13 statements old you can ignore the rest of this reply.

 

From my experience the front-end reps can successfully put in a limit transfer request even when your cards aren't eligible. It's happened to me twice. About a week later you'll get a letter in the mail telling you that the donor card isn't eligible because it isn't old enough.

 

Third time around will be next month, and I'm waiting until I see the Sourpuss limit on the SPG before I cancel the Sourpuss. I'm absolutely NOT requesting both the transfer and the closure on the same phone call.

 

Thanks!

[trubliever82]

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.

[shifter]

NFCU should never have been on the list.

 

the only successful record was someone moving part of an existing line to open a new card.

 

that's totally different.

[cv91915]

NFCU should never have been on the list.

 

the only successful record was someone moving part of an existing line to open a new card.

 

that's totally different.

 

There was a thread this week where someone was discussing getting a CLI on one card, moving the increase to another card and then getting another CLI on the first card. Wasn't that NFCU?

[trubliever82]

Yes I read that and they performed tranfer for me no problem the first time. I wanted to move rest of card over but now they wouldn't allow it.

[cv91915]

Yes I read that and they performed tranfer for me no problem the first time. I wanted to move rest of card over but now they wouldn't allow it.

 

Thanks. I'll move them to the "no" list.

[cv91915]

Will:

American Express - Revolving Cards ("donor" card must be 13 months old have 13 or more closed statements; must leave $500 - $1,000 on "donor" card) <-- Subtle refinements based on 10/22 call to Amex

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

US Bank

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

Situational:

Citi

At approval:

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

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

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

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

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

NFCU

http://creditboards.com/forums/index.php?showtopic=524538&p=5145342 <--- NEW

http://creditboards....24538&p=4986200 (BELIEVED TO BE OBSOLETE INFO)

USAA

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

[trubliever82]

I'm going to call tomorrow and try, seems more dependent on who you speak with. Some people have been told that before and call or messaged again and got someone else who said no problem.

[cv91915]

I'm going to call tomorrow and try, seems more dependent on who you speak with. Some people have been told that before and call or messaged again and got someone else who said no problem.

 

Happy to make further edits as new info presents itself.

[mendelssohn]

NFCU should never have been on the list.

 

the only successful record was someone moving part of an existing line to open a new card.

 

that's totally different.

Agreed. They do not regularly combine limits.

[DevilsOwnLuck]

On Barclays "yes" and Citi "no", how will we expect the US Airways and AA merger to play out? Combine limits and close one? Not combine limits and leave them both open (AF for each)? Require closing one and refusing to combine, effectively losing a good TL? I won't (don't) need 2 AA WEMC.

[BDK]

WTH happened to the reports of GECRB/Syncrony combining?

[cv91915]

WTH happened to the reports of GECRB/Syncrony combining?

 

You can just barge in and mouse. I need a link or an anecdote.

[BDK]

 

WTH happened to the reports of GECRB/Syncrony combining?

 

You can just barge in and mouse. I need a link or an anecdote.

 

I thought there already was one or two links?

[CTSoxFan]

I am testing the ability to move Citi lines again. I went through the EO to move the line from my plat AA card to my new Exec AA card. They said they would require a pull, I asked that they use the pull from 3 days prior that was used to approve the card. Was supposed to receive an answer mid-week, will update with results.

[cv91915]

I am testing the ability to move Citi lines again. I went through the EO to move the line from my plat AA card to my new Exec AA card. They said they would require a pull, I asked that they use the pull from 3 days prior that was used to approve the card. Was supposed to receive an answer mid-week, will update with results.

 

I desperately want to move my Citi limits around.

 

Actually, I want to close the Dividend and the AA Plat, and move the limits to my AA Exec.

 

Eagerly awaiting your results.

[CTSoxFan]

 

I am testing the ability to move Citi lines again. I went through the EO to move the line from my plat AA card to my new Exec AA card. They said they would require a pull, I asked that they use the pull from 3 days prior that was used to approve the card. Was supposed to receive an answer mid-week, will update with results.

 

I desperately want to move my Citi limits around.

 

Actually, I want to close the Dividend and the AA Plat, and move the limits to my AA Exec.

 

Eagerly awaiting your results.

 

 

Remind me about it if I forget to update

[Redfoot]

the key to moving limits with Chase is to avoid the front line CSRs.I've heard plenty of "nos" from them.I always call the backdoor credit analyst and they transfer me to a backdoor limit manager.I've never heard a "no" from them.

I just send a secure message, typically takes 1-2 business days and it's done.

 

Never had any issues with a partial or whole line consolidation.