cyberkost said:the CSR told me that "this is not allowed, one has to build a credit line for each card separately.
Bwaaaaahahahaha. Not at you, at the Citi CSR. Or maybe at Citi, if this is truly some new policy they're introducing. Keep us posted. Good info.

cyberkost said:
A question to the community: if I login into my CITI accountonline, got to "BT Offers" and decline 0% BT offer that is shown there, will it go away permanently giving CITI one fewer excuse not to reallocate to this card?

No, it will just tell you "Remember you can return anytime to take advantage of all available offers."

I have had a Discover Miles card for 1.5 year and recently got a new Discover More card. Tried reallocating from Miles to More twice, once at activation and once about a week later, and got denied twice. First one suggested applying for CLI (hard pull), second one said even that is not a possibility since card is new.

BrightSunshine said:I have had a Discover Miles card for 1.5 year and recently got a new Discover More card. Tried reallocating from Miles to More twice, once at activation and once about a week later, and got denied twice. First one suggested applying for CLI (hard pull), second one said even that is not a possibility since card is new.

Wifey just recently reallocated from a personal More and Miles card to Discover Biz. The only weirdness was they made her call and make requests on different days. Perhaps different because the target was a biz card. The amusing thing is that subsequently they sent letters saying they had 'noticed' she had unused credit on those cards and so had moved the credit lines, as if it were their idea.

WalStMonky said:Wifey just recently reallocated from a personal More and Miles card to Discover Biz. The only weirdness was they made her call and make requests on different days. Perhaps different because the target was a biz card. The amusing thing is that subsequently they sent letters saying they had 'noticed' she had unused credit on those cards and so had moved the credit lines, as if it were their idea.

WSM, do you have a Discover Biz? I was unable to get a Discover Biz card in my name because my wife already had one for our jointly-owned S-corp. When I tried to have my app re-processed as a sole proprietor, they still shot me down. Just curious if you had some tips regarding us married folk WRT Discover Biz.

lhendricks92 said:WalStMonky said:Wifey just recently reallocated from a personal More and Miles card to Discover Biz. The only weirdness was they made her call and make requests on different days. Perhaps different because the target was a biz card. The amusing thing is that subsequently they sent letters saying they had 'noticed' she had unused credit on those cards and so had moved the credit lines, as if it were their idea.

WSM, do you have a Discover Biz? I was unable to get a Discover Biz card in my name because my wife already had one for our jointly-owned S-corp. When I tried to have my app re-processed as a sole proprietor, they still shot me down. Just curious if you had some tips regarding us married folk WRT Discover Biz.

Sorry I just saw your post. Believe it or not I have not a single Discover Card, business, personal, or otherwise to my name. Every time I've applied they 'couldn't verify' who I am and required me to send in stuff, which I never did because I wasn't that interested in their tiny lines. Cripes, wifey's been working Discover as long as the others and just now now managed to break 20k in total credit lines. In the meantime she's over or very close to 100k with every other major issuer. Now, does everyone else have to log into every Discover account separately? Then it resets the security cookie and I have to answer the security question again, and again, and again, and again...

I called to "consolidate" my CitiProfessional line (23,500) into my 12 year old Citi Div Plat Select (13,000).

After 8 minute hold was informed I cannot even consolidate (i.e., close) because the Citi Div Plat Select card has a BT offer with a capped BT fee. The "capped BT fee offer" expires on 8/26/2008 and I was told I could consolidate at that time as long as there are no new "capped BT fee offers" on the Citi Div Plat Select account.

I requested removal of the "capped BT fee offer" so I could complete the consolidation today. The rep said it is not possible to remove the offer - I have to wait until 8/26/2008.

YMMV.

I was able to CLR between Discover personal cards, both of which had $8k CLs. I moved $7,500 from my old Miles card and created a $15,500 CL on my new Open Road card.

I first talked to the rep when I activated the card and she said it can't be done. I then called back and talked to another rep in activations who said she thought it couldn't be done for personal cards (but could be done from personal to business cards), but said she would verify with "Customer Service". Then a "Customer Service" rep got on the line, verified what I wanted to do and said she'd have to fill out an application, which would then be processed by the credit department within 24 hours. She said it would be treated like a CLI on the new card, taking from the old card, and told me that's the only way they can process them. I verified that it wouldn't result in a hard pull on my credit report and she said it wouldn't.

I called back later in the day to get set up for online access for the Open Road card and, out of curiousity, asked about the CLR. The rep said she'd check and, after a long hold, came back and said she talked to the credit department and they processed it right then, just as I wanted. I looked online and, sure enough, it was done.

Edit: I ended up receiving a hard pull for this. I called out to find out why and, after finally getting to a knowledgeable rep, found out that sometimes it happens and sometimes it doesn't. However, she also spoke to her supervisor and told me they'll notify TU to remove the new inquiry. I'm hopeful that will work, but not holding my breath.

First bad experience with Citi - lost $10,000 in CL

Before:
Cashreturns Card - $16,000 CL
New Driver's Edge Card - $2000 CL

Called to reallocate $13,000 form Cashreturns to Edge. CSR took a few minutes on hold, sounded weird when she picked up, and said she sent for approval.

Checked my account later and I now have

Cashreturns - $3,000 CL
Driver's Edge - $5,000 CL

So $10,000 of my CL disappeared! I did instant CLIs on my other cards and only got $3,200 back online.

Beware of Citi!

Does closing and consolidating CL count? I reported on this in a couple of other places, so why not here as well?

I've now successfully consolidated and consolidated two Citi Professional Cash Cards upon to two new Citi CashReturns cards. My wife and I both had the same experience. I'm an authorized user on my wife's CashReturns card, and she is an authorized user on mine. Our Professional Cash Cards had no authorized users. Some factors which might or might not be relevant:

The CashReturns card was approved for only $500 because the maximum aggregate credit card CL had been reached with Citi. A phone call from a Citi CSR mentioned this, and the CSR suggested moving some of the CLs from existing cards to the CashReturns card. Okey dokey.

In my wife's case -- this was her second CashReturns card -- all but 1K of the CL was moved from her first CashReturns card to the new CashReturns card. Her Professional Cash Card -- never used, with a 0% BT offer -- was closed and its CL consolidated with her CashReturns CL. She (with my assistance) had tried the Citi Professional thing with her first CashReturns card, and had absolutely no luck.

In my case -- also my second CashReturns card -- all but 1K of the CL was moved from my first CashReturns card to the new CashReturns card. My Professional Cash Card -- I'd paid off the remaining BT balance a few days prior -- was closed and its CL consolidated with my CashReturns CL. I had tried to do this Professional thing several times with my first CashReturns card, and had absolutely no luck with it either.