RadagastMOD said:Citi let me reallocate from 2lines into a third... The Two lines were supposed to go to the minimum. One of them did, and it looks like they messed up and didnt decrease the other, but the third line has the addition of both other lines.... So i may ave just gotten a free 13500 in extra credit.

Exactly the same thing happened to me with Chase. So I called to again reallocate from the card that didn't get decreased the first time. I ended up with a 70k credit limit on the 3rd card which had 0% BT/purchases for 12 months. Needless to say it's the most lucrative AOR card I've ever owned.

I have a question. I am having a AMEX and my wife is on that card. She is going to apply for new AMEX card. Can she transfer my CL to her new card.

Why not just change the PP Elite card for a different card with a real credit line? Then you could consolidate like normal.


simonduk said:Citi is driving me up the wall! I have spoken to three reps who all state they do not EVER (perhaps they should read this forum) reallocate from the PP elite to any other card. They also won't let me reallocate from Citi Business to Professional or the other way around (although I was expecting this). I have a PP elite, Professional, biz PP and citibusiness. Anybody has any experience reallocating any combination of these?

Thank you!

djscal said:Why not just change the PP Elite card for a different card with a real credit line? Then you could consolidate like normal.


This is a good point, and one I haven't addressed yet as I am waiting on the 15k TY point sign up bonus. None of the CSRs mentioned the possbility of converting the card, but I guess it is the only way out.

On a side note, Chase happily consolidated $20k on to a new card for me. MBNA was also the same with $15k on old cards. I've only had difficulty with Citi.

I've got a situation with credit lines consolidation I'd like to get some advice on.

I have a pretty new Sony card, 95% utilization 0% till march 08. I also have a 39k CL on some other chase card that I just paid off a 0% BT in full. My credit scores/reports suck lately due to a combination of factors that includes recent pulls and heavy utilization. Chase has said they will do a hard pull to combine the CLs

My question is, should I try to combine the CLs? I could then drop utilization, get more BT $ or some combination of both. But I risk chase not combinining the lines or even cutting CLs. And another hard pull for my poor FICO score.
Should I pay someting off on the recent Sony BT before I ask for consolidation?

Thanks
DD

No go on two BofA cards. I tried to relocate a portion of my CL from a legacy BofA card to a legacy MBNA card. CSR said no dice. Will try again later.

mhudson said:alextan said:I have 2 Discover cards. I just called Discover to re-allocate my credit lines to take advantage of the 0% APR for 12 months. Being transferred to a manager and DONE! Instantaneously updated online.

alextan

This seems to be so hit or miss.

Agreed...I was able to do this during a callback on a new account application from Discover, but tried to do it today in talking with a CSR upon activating my card, and she sounded like I was speaking a foreign language. Maybe getting transferred to a manager is a good idea. It can definitely be done at Discover, but it seems most normal CSR's don't have the ability to do it or maybe just don't know how. Some Discover reps can do it and don't mind....the guy who did it for me during the signup actually suggested it to me...I just wish I'd reallocated even more now !

BankofGreed said:No go on two BofA cards. I tried to relocate a portion of my CL from a legacy BofA card to a legacy MBNA card. CSR said no dice. Will try again later.

Yes try again. I've done this twice already for BT purposes, with the same type of cards you speak of.

vdadlani219 said:BoA/MBNA- I have reallocated between MBNA (now BoA) Platinum Plus and a BoA Rewards Visa to take advantage of a 0% BT.

I just received a Citi Professional, so I guess I will try much luck on reallocating between the Dividend, Professional, and Diamond Preferred and see what happens.

I can tell you what's going to happen. They're not going to let you reallocate the Professional. If you want to do it, you'll have to convert it to another card. I've gotten CSR to put in a reallocation from Professional, but regardless, it will not go through.

JohnGalt69 said:vdadlani219 said:BoA/MBNA- I have reallocated between MBNA (now BoA) Platinum Plus and a BoA Rewards Visa to take advantage of a 0% BT.

I just received a Citi Professional, so I guess I will try much luck on reallocating between the Dividend, Professional, and Diamond Preferred and see what happens.

I can tell you what's going to happen. They're not going to let you reallocate the Professional. If you want to do it, you'll have to convert it to another card. I've gotten CSR to put in a reallocation from Professional, but regardless, it will not go through.

I just reallocated 35k TO my Professional from my Diamond Preferred. Of course, I went through probably 6-7 different CSRs over a period of several weeks that told me it couldn't be done. Finally the last one said it might work, as they made some recent change to allow this in 'some cases'. She gave it a try and 24-48 hours later I saw the change. She seemed to indicate that they can never be sure it'll go through until they submit it. It made me wonder if some individual criteria (like account history, etc.) is used, but who knows.