The Master "Which Issuers Will Combine Limits?" Thread

[CTSoxFan]

 

Last week I moved 10k from one Citi card to another via the EO and did not incur a HP. May have been because I had a recent HP from Citi and referenced that in my call.

I had the same experience closing my card, no HP. I did have a recent (Jan) pull, but it was for a business app. And I never mentioned it because I was told there would be a new pull. What makes me mad is they said they HAD to leave $5K on the card being closed. Whatever...

 

 

Did the same thing to me when I combined my AA platinum into the AA Exec card. They had to leave $2000 on the donor card because that was the min CL. Makes no sense since they are closing the card anyway, but whatever...

[BDK]

 

 

Last week I moved 10k from one Citi card to another via the EO and did not incur a HP. May have been because I had a recent HP from Citi and referenced that in my call.

I had the same experience closing my card, no HP. I did have a recent (Jan) pull, but it was for a business app. And I never mentioned it because I was told there would be a new pull. What makes me mad is they said they HAD to leave $5K on the card being closed. Whatever...

 

 

Did the same thing to me when I combined my AA platinum into the AA Exec card. They had to leave $2000 on the donor card because that was the min CL. Makes no sense since they are closing the card anyway, but whatever...

 

Didn't you say you [successfully] requested them to move that over as well?

[cv91915]

Citi update!

 

Yesterday I contacted Citi customer service and was able to move all but $2,000 of the limit on my AA Platinum to my AA Executive. I called the number on the back of the Exec card.

 

The agent informed me that they have a process for this called "credit limit increase as a result of a credit limit decrease." I was informed that they may do a HP (to which I agreed, for science), and he asked me for our household income and monthly housing payment. He put in the request to move all but $2,000 (the minimum that must remain on the Platinum) and said that he'd call me back with the result no later than the following day.

 

I got a call back within a few hours and the limit transfer was granted. I checked this morning, and there was no credit inquiry from Citi.

 

Note: Each Citi donor card may have a different minimum limit that must remain. Had the transfer request gone in the other direction (Exec -> Platinum) I would have had to leave $5,000 on the Exec.

Edited March 20, 2015 by cv91915

[cv91915]

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 <---- Self-service link is new

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

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

Citi (AAdvantage Cards)

http://creditboards.com/forums/index.php?showtopic=524538&p=5237895(Via AA Exec CS) <---- New

http://creditboards....24538&p=5179546 (Via Citi EO)

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

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

[cv91915]

 

 

 

 

Wells Fargo allowed me to reallocate the credit line from one account to another. I did not see them on your list above.

Interesting. How recently, and from which card to which card?

Within the last 30 days. Reallocated entire credit line from Rewards Platinum Visa to Cash Back Visa Signature.

Any hard pull?

 

No hard pull for the reallocation.

 

 

Could you please remind me how you contacted Wells Fargo, and which two cards were involved?

[CTSoxFan]

Citi update!

 

Yesterday I contacted Citi customer service and was able to move all but $2,000 of the limit on my AA Platinum to my AA Executive. I called the number on the back of the Exec card.

 

The agent informed me that they have a process for this called "credit limit increase as a result of a credit limit decrease." I was informed that they may do a HP (to which I agreed, for science), and he asked me for our household income and monthly housing payment. He put in the request to move all but $2,000 (the minimum that must remain on the Platinum) and said that he'd call me back with the result no later than the following day.

 

I got a call back within a few hours and the limit transfer was granted. I checked this morning, and there was no credit inquiry from Citi.

 

Note: Each Citi donor card may have a different minimum limit that must remain. Had the transfer request gone in the other direction (Exec -> Platinum) I would have had to leave $5,000 on the Exec.

 

Following CVs lead I tried to further increase my Citi AA Exec limit by lowering my Citi Hilton limit (I only keep it open for Hilton status and will prob close at AF time). Sent 2 messages through secured message channel and was denied. Decided to call CS using the number on the back of my Exec card. Asked if I could do the CLI as a result of a CLD and was told yep, no problem. Same experience as CV above, will check tomorrow if they pulled a hard or not. Asked how low the Hilton could go and she said $300, but I told her to leave it at $1,000 (just in case I stay at a Hilton before I close it), and move the remaining $17,500 to my Exec.

 

Just checked my online profile and was able to see Exec limit now $63,500 (from $46,000). This has now surpassed my FIA Amex as my highest limit card.

[cv91915]

 

Citi update!

 

Yesterday I contacted Citi customer service and was able to move all but $2,000 of the limit on my AA Platinum to my AA Executive. I called the number on the back of the Exec card.

 

The agent informed me that they have a process for this called "credit limit increase as a result of a credit limit decrease." I was informed that they may do a HP (to which I agreed, for science), and he asked me for our household income and monthly housing payment. He put in the request to move all but $2,000 (the minimum that must remain on the Platinum) and said that he'd call me back with the result no later than the following day.

 

I got a call back within a few hours and the limit transfer was granted. I checked this morning, and there was no credit inquiry from Citi.

 

Note: Each Citi donor card may have a different minimum limit that must remain. Had the transfer request gone in the other direction (Exec -> Platinum) I would have had to leave $5,000 on the Exec.

 

Following CVs lead I tried to further increase my Citi AA Exec limit by lowering my Citi Hilton limit (I only keep it open for Hilton status and will prob close at AF time). Sent 2 messages through secured message channel and was denied. Decided to call CS using the number on the back of my Exec card. Asked if I could do the CLI as a result of a CLD and was told yep, no problem. Same experience as CV above, will check tomorrow if they pulled a hard or not. Asked how low the Hilton could go and she said $300, but I told her to leave it at $1,000 (just in case I stay at a Hilton before I close it), and move the remaining $17,500 to my Exec.

 

Just checked my online profile and was able to see Exec limit now $63,500 (from $46,000). This has now surpassed my FIA Amex as my highest limit card.

Nice!!

[GR8WhiTE]

 

 

Citi update!

 

Yesterday I contacted Citi customer service and was able to move all but $2,000 of the limit on my AA Platinum to my AA Executive. I called the number on the back of the Exec card.

 

The agent informed me that they have a process for this called "credit limit increase as a result of a credit limit decrease." I was informed that they may do a HP (to which I agreed, for science), and he asked me for our household income and monthly housing payment. He put in the request to move all but $2,000 (the minimum that must remain on the Platinum) and said that he'd call me back with the result no later than the following day.

 

I got a call back within a few hours and the limit transfer was granted. I checked this morning, and there was no credit inquiry from Citi.

 

Note: Each Citi donor card may have a different minimum limit that must remain. Had the transfer request gone in the other direction (Exec -> Platinum) I would have had to leave $5,000 on the Exec.

Following CVs lead I tried to further increase my Citi AA Exec limit by lowering my Citi Hilton limit (I only keep it open for Hilton status and will prob close at AF time). Sent 2 messages through secured message channel and was denied. Decided to call CS using the number on the back of my Exec card. Asked if I could do the CLI as a result of a CLD and was told yep, no problem. Same experience as CV above, will check tomorrow if they pulled a hard or not. Asked how low the Hilton could go and she said $300, but I told her to leave it at $1,000 (just in case I stay at a Hilton before I close it), and move the remaining $17,500 to my Exec.

 

Just checked my online profile and was able to see Exec limit now $63,500 (from $46,000). This has now surpassed my FIA Amex as my highest limit card.

Nice!!

 

Wow! Congrats to both of you!

[CTSoxFan]

 

Citi update!

 

Yesterday I contacted Citi customer service and was able to move all but $2,000 of the limit on my AA Platinum to my AA Executive. I called the number on the back of the Exec card.

 

The agent informed me that they have a process for this called "credit limit increase as a result of a credit limit decrease." I was informed that they may do a HP (to which I agreed, for science), and he asked me for our household income and monthly housing payment. He put in the request to move all but $2,000 (the minimum that must remain on the Platinum) and said that he'd call me back with the result no later than the following day.

 

I got a call back within a few hours and the limit transfer was granted. I checked this morning, and there was no credit inquiry from Citi.

 

Note: Each Citi donor card may have a different minimum limit that must remain. Had the transfer request gone in the other direction (Exec -> Platinum) I would have had to leave $5,000 on the Exec.

 

Following CVs lead I tried to further increase my Citi AA Exec limit by lowering my Citi Hilton limit (I only keep it open for Hilton status and will prob close at AF time). Sent 2 messages through secured message channel and was denied. Decided to call CS using the number on the back of my Exec card. Asked if I could do the CLI as a result of a CLD and was told yep, no problem. Same experience as CV above, will check tomorrow if they pulled a hard or not. Asked how low the Hilton could go and she said $300, but I told her to leave it at $1,000 (just in case I stay at a Hilton before I close it), and move the remaining $17,500 to my Exec.

 

Just checked my online profile and was able to see Exec limit now $63,500 (from $46,000). This has now surpassed my FIA Amex as my highest limit card.

 

 

Update - no HP as of yet!

[cv91915]

 

 

Citi update!

 

Yesterday I contacted Citi customer service and was able to move all but $2,000 of the limit on my AA Platinum to my AA Executive. I called the number on the back of the Exec card.

 

The agent informed me that they have a process for this called "credit limit increase as a result of a credit limit decrease." I was informed that they may do a HP (to which I agreed, for science), and he asked me for our household income and monthly housing payment. He put in the request to move all but $2,000 (the minimum that must remain on the Platinum) and said that he'd call me back with the result no later than the following day.

 

I got a call back within a few hours and the limit transfer was granted. I checked this morning, and there was no credit inquiry from Citi.

 

Note: Each Citi donor card may have a different minimum limit that must remain. Had the transfer request gone in the other direction (Exec -> Platinum) I would have had to leave $5,000 on the Exec.

 

Following CVs lead I tried to further increase my Citi AA Exec limit by lowering my Citi Hilton limit (I only keep it open for Hilton status and will prob close at AF time). Sent 2 messages through secured message channel and was denied. Decided to call CS using the number on the back of my Exec card. Asked if I could do the CLI as a result of a CLD and was told yep, no problem. Same experience as CV above, will check tomorrow if they pulled a hard or not. Asked how low the Hilton could go and she said $300, but I told her to leave it at $1,000 (just in case I stay at a Hilton before I close it), and move the remaining $17,500 to my Exec.

 

Just checked my online profile and was able to see Exec limit now $63,500 (from $46,000). This has now surpassed my FIA Amex as my highest limit card.

 

 

Update - no HP as of yet!

 

 

[cv91915]

 

 

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.

 

 

 

What number did you call? I'd like to update this thread with specifics.

[GR8WhiTE]

 

 

 

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.

 

 

 

What number did you call? I'd like to update this thread with specifics.

 

I need that number too. I just got off the phone with a useless CSR that told me that it can not be done.

Edited March 24, 2015 by GR8WhiTE

[ubercat]

That was three months ago. Lemme dig through my notes.

[ubercat]

US Bank: 800-947-1444, 800-685-7680 (Underwriting)
US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)

 

From the BD Thread. Have you tried these? I looked at my notes and I don't have a number written down, so I probably used one of these.

[cv91915]

That was three months ago. Lemme dig through my notes.

 

 

US Bank: 800-947-1444, 800-685-7680 (Underwriting)

US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)

 

From the BD Thread. Have you tried these? I looked at my notes and I don't have a number written down, so I probably used one of these.

 

 

Thanks for checking. I will be combining a couple of US Bank limits later this year, once I find a way to liquidate these Club Carlson points. Talk about a white elephant gift.

 

I'll post the number that works for me afterward, if no one else beats me to it.

[BW1216]

 

 

 

Bank of America Cash Rewards Visa Signature, $15k and instant, had it in my customized offers. No re-allocation from my Merrill+ yet.

 

Showed up in my Online Banking today... NO RE-ALLOCATION! HOORAY!

 

Merrill+ may become a donor card at this point to make a $55k BankAmericard Cash Rewards Signature Visa... pondering...

 

 

Got excited and did it... $55k BankAmericard Cash Rewards Signature Visa

 

[BW1216]

Isn't there an urban legend that cards above $50k don't count towards FICO util?

 

Here's my play... move all balances (mostly all at 0% anyways) to this card using the 0% BT. Util should be about 0% right? Or am I crazy?

[CreditNewb15]

I have an app spree coming up in a couple months.

Looking for 2 AMEX cards (at least), 1 Citi, 1 BOA, 1 Discover.

 

When I do these within 30 days or so, are some of these issuers more sensitive to inquiries than others?

Is there an order I should apply in?

 

My thought was to apply for AMEX first, then wait for those 2 cards to report in order to get D*.

Then a month later hit the rest with a (probably) higher score.

 

 

AMEX will pull EX and EQ I'm assuming.

I don't believe any but possibly BOA will pull TU (if I call and request).

Edited March 25, 2015 by CreditNewb15

[popamode72]

I have an app spree coming up in a couple months.

Looking for 2 AMEX cards (at least), 1 Citi, 1 BOA, 1 Discover.

 

When I do these within 30 days or so, are some of these issuers more sensitive to inquiries than others?

Is there an order I should apply in?

 

My thought was to apply for AMEX first, then wait for those 2 cards to report in order to get D*.

Then a month later hit the rest with a (probably) higher score.

 

Citi IMO is the most inquiry sensitive, so that one first, then BOA, Amex and Discover.

Edited March 25, 2015 by popamode72

[tweak]

I have an app spree coming up in a couple months.

Looking for 2 AMEX cards (at least), 1 Citi, 1 BOA, 1 Discover.

 

When I do these within 30 days or so, are some of these issuers more sensitive to inquiries than others?

Is there an order I should apply in?

 

My thought was to apply for AMEX first, then wait for those 2 cards to report in order to get D*.

Then a month later hit the rest with a (probably) higher score.

 

 

AMEX will pull EX and EQ I'm assuming.

I don't believe any but possibly BOA will pull TU (if I call and request).

 

Why are you doing an app spree just months before your BOA CO will be obsolete and off your reports?

Edited March 25, 2015 by tweak

[CreditNewb15]

 

I have an app spree coming up in a couple months.

Looking for 2 AMEX cards (at least), 1 Citi, 1 BOA, 1 Discover.

 

When I do these within 30 days or so, are some of these issuers more sensitive to inquiries than others?

Is there an order I should apply in?

 

My thought was to apply for AMEX first, then wait for those 2 cards to report in order to get D*.

Then a month later hit the rest with a (probably) higher score.

 

 

AMEX will pull EX and EQ I'm assuming.

I don't believe any but possibly BOA will pull TU (if I call and request).

 

Why are you doing an app spree just months before your BOA CO will be obsolete and off your reports?

 

 

It will fall off in April and May actually. 7 years would be October.

I know people are having trouble with EX and EQ, but I called a bunch and asked.

 

I probably won't apply for anything until June or July though.

I used "couple" very generously in the original post.

[tweak]

 

 

I have an app spree coming up in a couple months.

Looking for 2 AMEX cards (at least), 1 Citi, 1 BOA, 1 Discover.

 

When I do these within 30 days or so, are some of these issuers more sensitive to inquiries than others?

Is there an order I should apply in?

 

My thought was to apply for AMEX first, then wait for those 2 cards to report in order to get D*.

Then a month later hit the rest with a (probably) higher score.

 

 

AMEX will pull EX and EQ I'm assuming.

I don't believe any but possibly BOA will pull TU (if I call and request).

 

Why are you doing an app spree just months before your BOA CO will be obsolete and off your reports?

 

 

It will fall off in April and May actually. 7 years would be October.

I know people are having trouble with EX and EQ, but I called a bunch and asked.

 

I probably won't apply for anything until June or July though.

I used "couple" very generously in the original post.

 

 

Okay - just checking.

It would be STOOPID to app anything until your reports are clean - you are so close.

 

Your plan for letting a D* Amex report first is probably a good idea.

I'm planning to do that next year - and trying to get a 61-day 3x Amex CLI before apping other cards.

Most people are blacklisted from BOA for 7 years after their charge-off.

But a few people have gotten back in before that with the FIA Fidelity Amex card.

 

Good luck!

Edited March 25, 2015 by tweak

[CreditNewb15]

 

 

 

I have an app spree coming up in a couple months.

Looking for 2 AMEX cards (at least), 1 Citi, 1 BOA, 1 Discover.

 

When I do these within 30 days or so, are some of these issuers more sensitive to inquiries than others?

Is there an order I should apply in?

 

My thought was to apply for AMEX first, then wait for those 2 cards to report in order to get D*.

Then a month later hit the rest with a (probably) higher score.

 

 

AMEX will pull EX and EQ I'm assuming.

I don't believe any but possibly BOA will pull TU (if I call and request).

 

Why are you doing an app spree just months before your BOA CO will be obsolete and off your reports?

 

 

It will fall off in April and May actually. 7 years would be October.

I know people are having trouble with EX and EQ, but I called a bunch and asked.

 

I probably won't apply for anything until June or July though.

I used "couple" very generously in the original post.

 

 

Okay - just checking.

It would be STOOPID to app anything until your reports are clean - you are so close.

 

Your plan for letting a D* Amex report first is probably a good idea.

I'm planning to do that next year - and trying to get a 61-day 3x Amex CLI before apping other cards.

Most people are blacklisted from BOA for 7 years after their charge-off.

But a few people have gotten back in before that with the FIA Fidelity Amex card.

 

Good luck!

 

 

I may be dumb, but I'm not stupid.

Thanks.

 

I think I like the idea of waiting for the 3xCLI for Amex as well.

Although there are other boards saying you don't have to wait 61 days anymore.

[tweak]

If of interest to any WF card holders, I copied this from their site and it sounded possible speaking with a banker.

 

"If you have a current credit card with Wells Fargo and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. Please note that you always have the right to change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions."

[popamode72]

Just did a full CL consolidation of my Amazon card over to the Freedom after calling JPM's Priority line. They got a lending specialist on the line and she was able to do it without any of that inactivity for a month requirement that SM gives out since I was closing that card. I also moved $4k from the Ritz and $1k from AARP over to the CSP and made that limit $10k.