PolarDude said:I tried to move a measly $1800 from one chase card to another today. The old card has zero balance, and hasn't been used for nearly a year. The new card has a 0% balance. I was going to leave 1k on the old, and move it to the new which had a 9k limit. At first everything seemed fine, but then the CSR asked about Income, and said there would be a hard pull. Somehow in their system, I needed the pull. I go through with it. I hope they didn't do a pull!

Not sure if this is your case, but from my experience, Chase will review your credit history if the resulting line is above $50,000. If you recently open an account with them, they will just review your credit report and don't need to pull another one. I have no problem of reallocation without a credit pull for resulting line above $35,000.

Also, I can not reallocate a Chase Continental credit limit to another Chase credit card.
And, I can not reallocate a Citi Home Reward credit limit to another Citi credit card.

Is it possible to move credit from an AMEX card to a citi card. For instance if you use a citi-AMEX card as a medium?

Anyone has reallocated CL from Citi PremierePass to ATT Universal Card? The reason is Citi PP doesn't report credit limit properly, it will always look like you max out credit line on your credit report. So if you use it for 0% BT, it will hurt your CS since it's 100% utilization on one card.

My plan is to move the CL from Citi PP to ATT Universal so I can do a BT on ATT Universal. Any comments?

US Bank - yes or no?

lakefish said:Anyone has reallocated CL from Citi PremierePass to ATT Universal Card? The reason is Citi PP doesn't report credit limit properly, it will always look like you max out credit line on your credit report. So if you use it for 0% BT, it will hurt your CS since it's 100% utilization on one card.

My plan is to move the CL from Citi PP to ATT Universal so I can do a BT on ATT Universal. Any comments?

I have done this, no problem.

ILikeDollars said:A friend of mine was able to reallocate with Discover today. No fancy haggling or supervisor needed - he just asked, and the rep did it.What were the limits involved? I'm sure combining two $2k limits is a bit different than combining two $20k limits.

PolarDude said:I tried to move a measly $1800 from one chase card to another today. The old card has zero balance, and hasn't been used for nearly a year. The new card has a 0% balance. I was going to leave 1k on the old, and move it to the new which had a 9k limit. At first everything seemed fine, but then the CSR asked about Income, and said there would be a hard pull. Somehow in their system, I needed the pull. I go through with it. I hope they didn't do a pull!

I had the same experience, the CSR was pleasant, but wouldn't budge on the hard pull. They called me back 15 minutes later and approved 6 different cards CLs merged onto my Sony 0% for a year card

Accidentally posted my reallocation experience with Citi in the wrong thread, so copying it here.

2-18-07. I called Citibank India thru the AT&T Universal CS#, with the plan of consolidating a $4000 Conoco-Phillips66 MC limit and closing, and taking $7700/$8700 from a Dividend Select, making $16,200 on the AT&T and one less Citibank card (yes, I'm well aware of the prevailing wisdom stating never cancel a card, but I'm going to need another Citibank card come fall and want to ensure I don't hit a "too much credit/too many cards" situation). My average account age would have taken a minor hit but nothing disastrous.

They could not reallocate the Conoco-Phillips66. My choices there were: 1) cancel it, 2) keep it open while never being used and never receiving any offers on it. Not sure what it is, but this card seems "dead" to Citibank as I'm concerned. Other FWers have posted I could have luck allocating to a Hilton card, I'll keep that in mind though I doubt ever needing one. On the Dividend Select they stated they could not reallocate $7700 and leave the card open, I'd have to reallocate the entire $8700 and close the card. I probably should have thought about it, but the fact is I need a higher CL on the AT&T for a Sept BT, and no longer use the Platinum Select (was just hoping to get a good offer down the road on it, but guess not). So I authorized it while clarifying I expected the reporting to show the card was closed at MY request, not theirs. As sonnysighedup pointed out in the other thread in which I posted this, the smartest thing to do would have been to stop and call back until reaching a competent CSR who understood reallocation. I just made the wrong call on the spot.

So now I have $13,200 CL on the AT&T ($3k less than planned), a totally useless ConocoPhillips card (unless all other 5% gas cards go away and I need the 3%), one less Citibank card, and a slightly worse average account age (though not as bad as it would have been as my Conoco card is 3 or 4 years older than my Div Select). And as FWers have also pointed out, there wasn't really a need to lower my # of cards, Citi would have done this themselves upon a new app if an issue. Oh well, c'est la vie. Lessons learned.

nm.

Glitch99 said:ILikeDollars said:A friend of mine was able to reallocate with Discover today. No fancy haggling or supervisor needed - he just asked, and the rep did it.What were the limits involved? I'm sure combining two $2k limits is a bit different than combining two $20k limits.


I just talked to them about a 10,500 line and a new 8,000 line and they said it was not a problem. I do not see why they would care the total line is still the same.