- Centurion Member
- Posts: 105
- Joined: Wed May 13, 2015 3:32 pm
- Location: New England
Looking around online it seemed like a lot of people hit a brick wall when trying to transfer there credit limits on open accounts at Citi. Most people were told "we don't do that" when they tried. I have a ThankYou & Diamond (both preferred) and don't use either that much and the Diamond is actually my newest one and just collecting dust. I'm thinking about closing it to up my AAoA, but didn't want to throw a $4400 limit away.
I called and the rep thought I was asking for a balance transfer, but I explained in more detail what I wanted to do and I got transferred to an "Account Manager". Someone who was successful a few years ago called them a "Credit Analyst" so maybe their title changed. Talking with the AM, it was explained that it would require a hard credit pull, and what was actually happening was a credit limit increase on the first card and a credit limit decrease on the second, so it's not a true "transfer" and you do have to accept the pull. Also, you need a minimum of $500 on the second card, so you can't get a full transfer.
Mine went in to review and was told I would receive a call back in 48 hours, but I logged in the next day and noticed everything went through. I now have $9700 on my TY and $500 on the Diamond.
I wanted to tell my story to let others know it can be done with Citi, you just have to be persistent and accept the credit pull.
Sock drawer Cards:
Amex: Ameriprise Gold, HHonors, MB Plat
Chase: Amazon.com Rewards, Freedom
Citi: Macy's Amex, Simplicity
Citizens Bank: Cash Back Plus World
Elan: Bank Rewards
Synchrony: PayPal Extras
718 Eq|734 TU (8/16)|733 Ex (9/16)