Called Associated asking to move my credit to one card

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MemberSince99
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Called Associated asking to move my credit to one card

Postby MemberSince99 » Tue Jun 25, 2013 5:42 pm

I knew what the answer would be before I called, but I called to ask them about combining the limits of my two cards into one card.

Can anyone guess what they said? Yep, NO, we don't do that.

God I'm sick of hearing NO from these people every fricking time I call them the answer is NO I can predict that before I call and I'm right.

Just going to make it that much easier to close their cards AND move my checking to Chase. I'm tired of hearing NO from these people.

I wonder how a third rate bank like them stays in business sometimes I really do. Time to move on, before the summer is out these cards will be closed and my checking account will be Chase. A real person there picks up when I call, (I held for 10 minutes with Associated even to speak with anyone) and they move lines around from what I've read.


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Snowman
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Postby Snowman » Tue Jun 25, 2013 6:24 pm

Member- Chase has a total max exposure that they will extend to you based on your income, history, score, etc. So let's say for me as an example I app for the Marriott card and I don't get approved, I could ask them to shift around the limits on my Freedom or SW cards in order to open it since I've met their exposure limits. It just depends on how they feel they can give you. Chase has been generous to me so far, and in turn I will use their cards as much as I can. Associated did give you good limits though...
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

MemberSince99
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Postby MemberSince99 » Tue Jun 25, 2013 6:27 pm

It's got nothing to do with exposure - they gave me these limits on 2 cards, how are they any more exposed if it's on one card as opposed to two cards?

I'm not asking for a CLI, even though the signature card is over a year old now. I'd just like to have one card instead of two for simplicity's sake.

They've really told me NO too many times for my taste. It will make it easier to do what I'm going to do.

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Snowman
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Postby Snowman » Tue Jun 25, 2013 6:31 pm

Member-I'm sorry, I mean Chase has a total limit exposure, not Associated. And yeah that's understandable, Chase has been generous and good to me, if it wasn't my first accounts with BOFA, I would have left for Chase a long time ago. But both are good to me so no complains. If I were you, you should switch now instead of later since Associated really doesn't give you much in terms of what other banks can offer.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

MemberSince99
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue Jun 25, 2013 6:50 pm

No offense meant at all to you of course!

I would have even settled for moving PART of it over, so they could lower their exposure and make it easier at the same time, but these guys seem to know only one word - NO.

Yeah I've decided what I need to do, just when I will do it. It will be soon.
I basically wanted to give them the chance. If they had been even a little accomodating, I would have kept one card open, but that's just not how they are in my experience. I agree they gave me nice limits, but I am in with some prime lenders now, so maybe "kicking them to the curb" isn't the term I'd choose but it's kind of what I plan to do.

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Snowman
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Postby Snowman » Tue Jun 25, 2013 10:01 pm

Well, you gotta do what's best for you, and if that means moving to Chase, then do so. You might as well "kick them to the curb" if they aren't willing to accommodate you, since you have been banking with them for so long.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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