Will AMEX let me combine my two gold deltas?

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waffled
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Will AMEX let me combine my two gold deltas?

Postby waffled » Thu Nov 01, 2012 2:32 pm

I have 4 Amexs but I'd like to combine my two common ones, the Gold Delta Skymiles and its Business sister. My personal one has a $5000 limit and the Business is going to have a $9000 limit soon, both carry the same Skymiles membership number. I currently have 9 credit cards so I'd love to cut them a bit and combine these two..... Will Amex allow me to do so?
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jriley
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Postby jriley » Thu Nov 01, 2012 6:48 pm

Typically, no. From what I've heard they don't allow that. They used to allow you to change your credit limits online and what not, but I think they have slowly cut many of those features away.

Best bet would be to pay one off, cancel it, and simply keep one of each of the cards.
Looking to maximize credit, for myself and others.

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Fri Nov 02, 2012 1:02 am

Business and personal credit lines cannot be combined. Business lines are not reported on like personal lines.
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Pete838
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Postby Pete838 » Sun Nov 04, 2012 10:06 pm

You can close the account with a balance and save yourself the annual fee, then just pay it down at the current APR. Most regular business lines are personally guaranteed unless your business has a great D&B. You can't really combine them, per se, and add the credit lines together, but if it's personally guaranteed and you're closing one they may allow you to shift some of that limit to the remaining open line.
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waffled
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Postby waffled » Mon Nov 05, 2012 2:22 pm

Pete838 wrote:You can close the account with a balance and save yourself the annual fee, then just pay it down at the current APR. Most regular business lines are personally guaranteed unless your business has a great D&B. You can't really combine them, per se, and add the credit lines together, but if it's personally guaranteed and you're closing one they may allow you to shift some of that limit to the remaining open line.


both of them carry no balance, I pay them off completely every month.

Yeah I hope that at least they let me transfer some balance over!
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash



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