I'm not sure consolidation belongs here in this thread, but Chase is willing to consolidate accounts into one. I do not believe this is with ALL of their accounts because I SPECIFICALLY contacted them prior to applying for the cashbuilder card to ensure they would consolidate it with my platinum account so I could take FULL advantage of 0% BT for as much as possible. The reason I do not believe this is consistent among all Chase cards is b/c the CSR I initially spoke with mumbled something about the cashbuilder might be a "stand alone card" and you wouldn't be able to do a consolidation if that was the case, then he checked something and said "nope I was wrong, you can consolidate a platinum and cashbuilder account." I then went on and applied and successfully accomplished my goal. So for what its worth, if this info is in the wrong thread, my apologies.

Think the difference might be 'consolidation' vs. 'reallocation'. Chase might be willing to merge two credit lines as long as you're closing one of them, but the others discussed here are arguably more flexible in their ability to reallocate between existing open credit lines.

As far as the moving balances between Citi and AT&T to take advantage of another promotional rate on another card issued by Citibank, easiest method is to have them send you a check for the full amount on the new promo account, deposit it into your bank and then pay off the original debt via ACH and transfer most of the newly 'liberated' line of credit over to the new card with the promotional rate.

And re: managing multiple Citi cards on one login, you used to be able to add any card issued by Citibank into your Citi Account Online profile -- even AT&T Universal cards. They've changed it so that this is no longer the case...AT&T cards have to be added into a separate login which is managed through a slightly different portal into the same service. I wonder why they removed this functionality....lame.

My oldest card is Verizon Visa which is now owned by Citi. My credit history is still short (5yrs), and I only use it every once in awhile so that they won't cancel it. To rid myself of this hassle, I was thinking of converting the card into a Citi Dividend card. I think I remember reading that someone was able to convert their ATT Universal card into a Citi Diamond Rewards.
Anyway, I just got off the phone with a CSR, and she told me this isn't possible.

But we all know how reliable their information is.

Aside from the ATT Universal card, has anybody succeeded in converting a non-Citi branded card issued by Citi into a Citi branded card? How about cards issued by other banks? I don't know how common it is for banks to close inactive accounts, but this would be a great way to shift that possibility around to the newer cards by making our older cards more useful.

I received the same information from Chase. And I just wanted to rant about how annoying it is. The policy is pretty much nonsensical as far as I can tell. I can't figure out what purpose it serves them. And it is especially annoying to me. My oldest TL by 6 years is a Chase Regular Student Visa with a 22.9% interest rate and no features. The card is not convertible to anything else, has an annual fee that they remove only after yelling at them, and has a 12k limit. I applied for a Cashbuilder and received an OK limit but would love to take advantage of the other empty card's CL for BT. Can't do it without closing the student visa which FAKE-O simulator suggests would mean a 15-20 point drop but which I suspect would be even more then that. The advice is always don't close your oldest account but how annoying is this situation!!!!

I was able to convert my AMEX Blue with 7.9% APR fixed into AMEX Blue Cash with 6.9% APR fixed just by calling customer service.

1. Bank of America does allow reallocation of credit limits.

2. Asking question which has previously been asked but not answered. Can limits on Citi branded cards (e.g. Sears Mastercard) be transferred to a true Citibank card?

cak144 said:1. Bank of America does allow reallocation of credit limits.

2. Asking question which has previously been asked but not answered. Can limits on Citi branded cards (e.g. Sears Mastercard) be transferred to a true Citibank card?On #1 -- How recently did you do this? I just tried and was shot down by the CSR. She said the only things she was able to do are credit line consolidation and make requests for a credit line increase.

#2. My sister tried this recently with her Sears card and was told that reallocation between the Sears card and her Citi Diamond Rewards card wasn't possible. I know her Sears card indicated that it was issued by Sears (on the back) but don't believe there was an MC logo on the front. You may have better luck if yours is an actual MC.

I did not see this thread when I started my own about conversion and CL reallocation between Citi-issued cards here.

I thought you were the mod (based on your email )

Do you have enough CL left on your ExxonMobil card? Want to try moving some more to AT&T?

With the number of cards you have, some banks should consider assigning a permanent personal CSR

Never "lower". "Reallocation" is the only option... (...and "consolidation's" the easy way out.)

Call back and explain to another CSR that you were trying to reallocate your Credit Limits. They'll tell you what you already know -- that you can't reallocate betweeen those two cards -- and then you can explain that you *NEVER* would have authorized a decrease in your credit limit if that unused credit wasn't being applied to another card. "The previous CSR must have misunderstood."

You may have to explain a few times -- once to the CSR, once to their manager. If their manager/supervisor can't handle the issue, tell they you're so frustrated with their poor customer service that you'd like to cancel the card. You'll be transferred to Retentions at this point. The people in retentions can fix pretty much anything they want to and will get your CL back up where it should be. You likely won't even have to explain too much as the supervisor CSR will likely give them the quick scoop and prep them to handle your issue.

Trust me, you *CAN* still fix this thing with a little help from the people in retentions.

Good luck.