Which Card Issuers will combine credit limits?

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Which Card Issuers will combine credit limits?

Postby obxfisherman » Tue Dec 01, 2015 8:49 pm

Greetings all, Happy December and I hope all is well with you all....it's been a few months.

I'm curious which card issuers you are aware of will combine credit card limits? Ideally i can combine cards as opposed to closing them outright, however, with 20 cards or so I want to begin to wind down the stack. I have 4 with Chase...i'm prepared to get rid of 2, in January or so and throw their limit onto the Marriott Card.

I'm trying to figure out if Citi, Discover, AMEX will combine limits or not. From what I gather, AMEX will but both accounts have to be in good standing and be open for a year. Discover I gather is a no go, and citi is kind of iffy.

I would appreciate your insight and experience with combining credit limits.
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Total Credit Card Limits Roughly: 61.5K

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Re: Which Card Issuers will combine credit limits?

Postby augiedog » Tue Dec 01, 2015 9:23 pm

Chase will do line transfers with any good standing account that has been established for more than six months. If closing a card for a line transfer, the card transferred from should have no balance. They will also move lines from cobranded cards such as the Amazon Visa (I recently did this to my Slate).

I have also tried to opposite with Bank of America. I split a credit line to open a Better Balance. It was one of their requirements because I "already have a substantial credit line" with them.

Capital One wasn't sure if I could combine my Sony card with my Quick Silver, but they said I would have the option available on my online account if I were eligible. The new card would have to be open for six months.

American Express will sometimes have a line management option online.
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Re: Which Card Issuers will combine credit limits?

Postby CarefulBuilder14 » Tue Dec 01, 2015 9:34 pm

I think the Amex rules are:

The donor card must be open 13 (maybe 12?) months.
The recipient card must be open 2 months.

I don't know of any Amex rules that require you to keep $X in CL if you've used the card in the last Y days, like some people report with Chase.

And, in practice, getting a CLI with Amex on the card you prefer may not be that difficult and may be preferable to an actual CL transfer.
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Re: Which Card Issuers will combine credit limits?

Postby kdm31091 » Tue Dec 01, 2015 9:39 pm

Chase is pretty easy to do limit transfers with....pretty much the only caveat being if the account has had activity within 30 days, you have to leave $500 in limit behind. This may be inconsequential or you may want to just wait so you can move the whole limit. Amex will do it, if you follow the policies (which primarily involve the accounts aging), and citi sometimes does it, but with a HP, which may or may not be worth it. For the HP you could always go for a CLI on the card you want to keep, but really not much difference I suppose. To me, moving limits just isn't really worth a HP in most circumstances, unless not moving the limit would leave your utilization sky high or something (but even that is a temporary situation, hopefully).

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