Can you combine credit card limits?

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Can you combine credit card limits?

Postby void » Thu Feb 16, 2012 5:26 am

So I currently have a American Express Clear card, and was recently approved for a Blue Cash Everyday card. I plan on using the Blue card exclusively for the obvious increased benefits, and so I'm thinking of merging the 2 credit lines. I have a few questions though -

1. Will Amex allow me to merge them completely? (For example the CL on the Clear card is 5k and the CL on the Blue card is 6k. Can I end up with just a Blue card with 11k, or will they require me to keep a minimum CL on the old Clear card?)

2. If I can completely combine the credit limits, is that a good idea? I'm not interested in keeping the Clear card at all, and the OCD in me would really like to just get rid of it somehow to make keeping track of all my credit cards simpler.

3. If I combine credit limits completely will that result in the old card being reported as closed on my credit report, and therefore reduce the average age of my accounts?

Basically I'm looking to get rid of the Clear card by merging accounts and want to know if there is any reason it would be inadvisable to do this. Thanks for any insight.

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Postby jeffysdad » Thu Feb 16, 2012 12:35 pm

You can transfer available credit from one card to another.
You can't completely eliminate the credit line on the Clear card.
There is no reason not to do this.
If you get rid of the Clear card completely, you will eventually lose that account on your credit report, which could affect your score by a small amount. Also if you get rid of the Clear and it's later eliminated by Amex, you will not have the opportunity to have that card again with whatever benefits it offers.
I would leave $1k of available credit on the Clear card and keep the account open. Take a pill for your OCD.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby ooxs » Thu Feb 16, 2012 4:30 pm

Jeff nailed it but let us know if you have other questions.

Welcome to the forum.

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