cv91915 Posted April 1, 2015 Author Posted April 1, 2015 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." Thanks for posting this. I'll update the master list when I'm on a suitable device. Quote
mrjuggalo9er Posted April 1, 2015 Posted April 1, 2015 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." Thanks for posting this. I'll update the master list when I'm on a suitable device.Why does this sound like something that would be in a Discover agreement Quote
cv91915 Posted April 1, 2015 Author Posted April 1, 2015 (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 <---- 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....24538&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 Wells Fargo (Excludes co-brand cards like Dillard's) http://creditboards.com/forums/index.php?showtopic=524538&p=5244975 <---- New 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 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 Edited April 1, 2015 by cv91915 Quote
popamode72 Posted April 1, 2015 Posted April 1, 2015 Wells Fargo rep told me one time that CL consolidations from their cobranded cards like Dillards to their main products aren't possible with them. Quote
cv91915 Posted April 1, 2015 Author Posted April 1, 2015 Wells Fargo rep told me one time that CL consolidations from their cobranded cards like Dillards to their main products aren't possible with them. Thanks. Reflected in the summary. Quote
BW1216 Posted April 3, 2015 Posted April 3, 2015 (edited) Add one to the list for Citi. I called regular AA CS, asked for a credit line increase as a result of a credit line decrease, rep kept insisting on a CLI (didn't seem to know CLI from CLD existed), so I asked for an account manager in Florida (use these words). The account manager put in my request around 7 PM EST to take $9,700 from my Citi HHonors and $4,500 from my Citi Simplicity, to move to my new AAdvantage card ($11k approval), resulting in a $25.2k AAdvantage. I just checked my AAdvantage card and it shows the $25.2k limit. Edited April 3, 2015 by BW1216 Quote
cv91915 Posted April 3, 2015 Author Posted April 3, 2015 (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 <---- 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 (among and to AAdvantage Cards) http://creditboards....24538&p=5237895(Via AA Exec CS) <---- New http://creditboards.com/forums/index.php?showtopic=524538&p=5246949 (Via Citi AA CS) <---- New http://creditboards....24538&p=5179546 (Via Citi EO) Commerce Bank http://creditboards....33442&p=5093476 US Bank http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's) http://creditboards....24538&p=5244975 <---- New 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 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 Edited April 3, 2015 by cv91915 Quote
JoeBowler Posted April 3, 2015 Posted April 3, 2015 (edited) Have two Wells Fargo Cards each at 3k Bank would only move 2k max over to the other card. They then offer and upgraded the card wtih new 5k litmit to points, same account number and age. Not sure if it will be a siggy. Gave me option to close other card with remaining 1k balance. 8 year customer, pif monthly, and clean reports. Wanted it all moved over, guess happy to have first credit card with a 5k limit 740 fico, short AoAA Edited April 3, 2015 by JoeBowler Quote
cv91915 Posted April 4, 2015 Author Posted April 4, 2015 Have two Wells Fargo Cards each at 3k Bank would only move 2k max over to the other card. They then offer and upgraded the card wtih new 5k litmit to points, same account number and age. Not sure if it will be a siggy. Gave me option to close other card with remaining 1k balance. 8 year customer, pif monthly, and clean reports. Wanted it all moved over, guess happy to have first credit card with a 5k limit 740 fico, short AoAA Congrats on the $5k card! I'll update the master list. Quote
cv91915 Posted April 4, 2015 Author Posted April 4, 2015 (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 <---- 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 (among and to AAdvantage Cards) http://creditboards....24538&p=5237895(Via AA Exec CS) <---- New http://creditboards....24538&p=5246949 (Via Citi AA CS) <---- New http://creditboards....24538&p=5179546 (Via Citi EO) Commerce Bank http://creditboards....33442&p=5093476 US Bank http://creditboards....24538&p=5162327 Wells Fargo (Excludes co-brand cards like Dillard's; need to leave $1,000 on donor card) <Updated http://creditboards....24538&p=5244975 <---- New http://creditboards.com/forums/index.php?showtopic=524538&p=5247467 <---- New 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 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) 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 April 4, 2015 by cv91915 Quote
carpediem24 Posted April 7, 2015 Posted April 7, 2015 I am not sure if this is new legit information, or if people have discussed this already or if this is bogus info, but here it is.... I was talking to a Cap1 agent about upgrading a current Platinum card I have to the QuickSilver rewards card. Although I had spoken to them about combining limits before and was turned down, I thought I'll try again anyway. This time, an elderly person speaking to me, said that they are actually in the middle of discussing the process of combining limits, and there is a plan to allow that in the future. He didnt commit to a timeline, but very definitively said it'll happen sometime. He did say he was absolutely sure that Cap1 is exploring it at the moment. Any credibility to this piece of info based on similar info others may have heard? Quote
casemodgod Posted April 7, 2015 Posted April 7, 2015 I am not sure if this is new legit information, or if people have discussed this already or if this is bogus info, but here it is.... I was talking to a Cap1 agent about upgrading a current Platinum card I have to the QuickSilver rewards card. Although I had spoken to them about combining limits before and was turned down, I thought I'll try again anyway. This time, an elderly person speaking to me, said that they are actually in the middle of discussing the process of combining limits, and there is a plan to allow that in the future. He didnt commit to a timeline, but very definitively said it'll happen sometime. He did say he was absolutely sure that Cap1 is exploring it at the moment. Any credibility to this piece of info based on similar info others may have heard? I used to tell customers the same thing when they'd ask about things we couldn't do. Because it doesn't hamper the relationship. Where as a no, typically turns people down. A maybe, will keep them interested, and make them more adjusted to what you want them to do at that point. Its a mind game, and I used it well. Its all about getting someone to play ball in your court. I plan on being a billionaire, sometime. Plans fail, but when people hear something that directs their emotions to something they are positive about, they're more inclined to accept it than a no, or a negative response. Sales 101 stuff Quote
cv91915 Posted April 8, 2015 Author Posted April 8, 2015 I am not sure if this is new legit information, or if people have discussed this already or if this is bogus info, but here it is.... I was talking to a Cap1 agent about upgrading a current Platinum card I have to the QuickSilver rewards card. Although I had spoken to them about combining limits before and was turned down, I thought I'll try again anyway. This time, an elderly person speaking to me, said that they are actually in the middle of discussing the process of combining limits, and there is a plan to allow that in the future. He didnt commit to a timeline, but very definitively said it'll happen sometime. He did say he was absolutely sure that Cap1 is exploring it at the moment. Any credibility to this piece of info based on similar info others may have heard? Thank you for this update. Please come back and let us know if you learn more. Quote
GR8WhiTE Posted April 8, 2015 Posted April 8, 2015 I am not sure if this is new legit information, or if people have discussed this already or if this is bogus info, but here it is.... I was talking to a Cap1 agent about upgrading a current Platinum card I have to the QuickSilver rewards card. Although I had spoken to them about combining limits before and was turned down, I thought I'll try again anyway. This time, an elderly person speaking to me, said that they are actually in the middle of discussing the process of combining limits, and there is a plan to allow that in the future. He didnt commit to a timeline, but very definitively said it'll happen sometime. He did say he was absolutely sure that Cap1 is exploring it at the moment. Any credibility to this piece of info based on similar info others may have heard? Thank you for this update. Please come back and let us know if you learn more. Definitely going to have to keep an eye on this. Quote
GR8WhiTE Posted April 18, 2015 Posted April 18, 2015 Very interesting.. Was with a friend of mine a few days ago and I have to say @carpediem24 looks to be right. My friend was on the phone with a CSR and they offered him to combine his limits. I don't think he did, but it looks like Cap One is shifting in that direction. Quote
fury1995 Posted April 18, 2015 Posted April 18, 2015 Very interesting.. Was with a friend of mine a few days ago and I have to say @carpediem24 looks to be right. My friend was on the phone with a CSR and they offered him to combine his limits. I don't think he did, but it looks like Cap One is shifting in that direction. Do you happen to hear which cards your friend has that they offered to combine? This could be huge for folks who have $10K plus QS's and $20K plus V's... Quote
GR8WhiTE Posted April 18, 2015 Posted April 18, 2015 Very interesting.. Was with a friend of mine a few days ago and I have to say @carpediem24 looks to be right. My friend was on the phone with a CSR and they offered him to combine his limits. I don't think he did, but it looks like Cap One is shifting in that direction. Do you happen to hear which cards your friend has that they offered to combine? This could be huge for folks who have $10K plus QS's and $20K plus V's... I don't think anything fancy. Just some low limit basic cards. Quote
cv91915 Posted April 18, 2015 Author Posted April 18, 2015 Very interesting.. Was with a friend of mine a few days ago and I have to say @carpediem24 looks to be right. My friend was on the phone with a CSR and they offered him to combine his limits. I don't think he did, but it looks like Cap One is shifting in that direction. Do you happen to hear which cards your friend has that they offered to combine? This could be huge for folks who have $10K plus QS's and $20K plus V's... I don't think anything fancy. Just some low limit basic cards. Show me a fancy Capital One card. Quote
GR8WhiTE Posted April 18, 2015 Posted April 18, 2015 Very interesting.. Was with a friend of mine a few days ago and I have to say @carpediem24 looks to be right. My friend was on the phone with a CSR and they offered him to combine his limits. I don't think he did, but it looks like Cap One is shifting in that direction. Do you happen to hear which cards your friend has that they offered to combine? This could be huge for folks who have $10K plus QS's and $20K plus V's... I don't think anything fancy. Just some low limit basic cards. Show me a fancy Capital One card. Got me Quote
haydeno Posted April 18, 2015 Posted April 18, 2015 Rolled 3 US Bank cards into one last week using UW number. 50k is max per acct without docs Quote
lilyflower Posted April 18, 2015 Posted April 18, 2015 I'm definitely interested in hearing if it's possible to combine Cap 1 cards again - I have 4 and really don't need nor want that many of their cards. I have two old low limit cards stuck at $3K and $3.5K that I'd be interested in combining. Anyone have a substantiated account of this happening and through what method? Quote
CreditNewb15 Posted April 22, 2015 Posted April 22, 2015 I used the self serve link for AMEX this morning. My cards are 3 weeks old. The system allowed me to request a transfer but had to leave $600 (not $500 or $1000) on the donor card. Once I submitted the request, I got a 7-10 day message. Is it science that you have to wait til the 13th statement closes to move limits? Quote
Cappy Posted April 22, 2015 Posted April 22, 2015 Another Amex question... I just got a CLI the other day to bring 1 of my Amices up to 24.5K and was wondering if I requested to take credit from my other card to put it over 25K, will they request (I forgot what's it called) even though it's existing credit that I currently have? Quote
cv91915 Posted April 22, 2015 Author Posted April 22, 2015 Another Amex question... I just got a CLI the other day to bring 1 of my Amices up to 24.5K and was wondering if I requested to take credit from my other card to put it over 25K, will they request (I forgot what's it called) even though it's existing credit that I currently have? No 4506-T for me when I moved $24,500 from another card onto the $25,000 I already had on my SPG. Quote
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.