selfinducedpriapism said:
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And can someone tell me what a "dire circumstance" might be?
Your user name can turn into one, although I don't know if a CC issuer would accept that.

I just tried reallocating to a Citi 0 BT 0 fee card (Associated Bank) and they wouldn't do it stating that Citi has a policy of not allowing CL reallocs to 0 BT cards with either zero fees or capped fees. But guess what, if there's no cap, no problem.

RagingBull said:can you move credit line from the citi AMEX charge card to a citi cash returns card?

I did a couple of weeks ago - from the Platinum AMEX to the Cash Returns card. I had to leave an $8k minimum CL on the Platinum AMEX though.

How are the Citi Business-Business reallocations going now? Any data points?

I have two Citi Business Cards (1 with a $22k limit and approximately $16k balance, and another with $1.5k limit and no balance). I was hoping to pay off the $16k balance, reallocate the majority of that line to the other Citi card and use the balance transfer offer available on that card. Any guidance/experience would be appreciated.

newbietx said:I have a question that's not really CL re-allocation related but balance re-allocation, hope it is ok to post in this thread.

I have about 1.5K balance on my Citi Platinum dividend card due by 5/15. Can I move this balance to my new Citi Cash Returns card (in the hope that I can get 5% CashBack when I move it to Cash Returns balance)?

I called Citi and asked them to do a balance transfer, they said they don't do BT's between Citi cards.

So is this even possible? Anyone have any luck with such a situation before?

I just want to transfer the balance, don't want to close my Citi Platinum Dividend card (its my oldest card, over 10 years old).

TIA!!

First of all, no bank will let you BT to one of its own cards.
Second, you get no points, miles or CashBack from BTs (except in rare, Juniper-like exceptions)
so either you launder the BT through another card/bank, or get a new citi card with 0% BTs that you can do online to your checking acct, then pay off the other citi card.

If you do a CLS and one of the card gets closed, does that hurt your credit? From what I've been reading, my understanding is that it's more or less the CL that matters, not the number of cards.

TheGMan said:YoYoCome said:If you do a CLS and one of the card gets closed, does that hurt your credit? From what I've been reading, my understanding is that it's more or less the CL that matters, not the number of cards.

For CLS, what matters to most is the length of time the account has been opened ie: older acct = more desirable

As an update: Chase was a breeze to CLR - gold, disney, lsu all (left $1k/ea) to -> SonyStyle immediately reflected in one phone call.
Discover - CLR from old horizon -> open road, csr required a return call from a new accts specialist to verify info. First call I was told they would have to CLS, but it ended up being a CLR and a CLI to boot.
BofA a breeze.
Citi - regular CSR advised it would take 30 minutes. Called back after 30 minutes of course, & csr now said 24-48 hrs. Next day, finally called the business line and was able to CLR AT&T -> Driver's Edge, reflected immediately.

I see, so it's always better to have CLR. But when you do CLR, you are reallocating youre credit line from your older cards to your newer ones so you can take full advantage of the promo?

Same thing happened to me. But I think things will be back to normal next week sometimes (according to the CS rep). Not going try anything until later.

I opened a Citi Cash Rewards account and was given the ludicrous limit of $3k. I have an existing Dividends card with > $30k limit and I immediately asked if I could reallocate. Was told the rather mysterious "no, you must wait until your card arrives in the mail and THEN call back and ask for the reallocation."

In my experience Chase has been much more generous about reallocating; they did it (in my best interest) before I even knew it was possible!

I asked about this while opening my account (long story, I filled in most of the form online but due to computer issues, had to complete over the phone). I take your point regarding needing the number.