lhendricks92 said:Call the number on the back of your Schwab to reallocate.

Call to the Scwab CSR quickly and easily resulted in a reallocation of CL to the BOA NEA card.

Thanks lhendricks92.

Related to the above post, I have two Discovercards and each has a 10k+ CL.

If I apply for a new Discovercard that offers a 0% BT, will it be better if I close one of the existing accounts beforehand in the hope of getting a higher CL on the new card? Or does Discover transfer CLs if you close an existing card? I know they don't do reallocations between cards.

I've tried several times to re-allocate Citi cards with no luck. I have the Shell, old ATT "universal", Sears, Professional, and PremierPass. They always said biz and personal don't mix, or that my "branded" cards aren't true citi personal cards and can't be mixed. So I just applied for and received the drivers edge. Along came a letter saying they pulled CL from one of my "branded" cards because "you have the maximum amount of credit that we extend to an individual". So it's possible, but they choose not to unless they want to between "branded" and non-branded cards. And apparently $60k is maxing Citi out.

With BOA reallocating/consolidating is so easy and painless, i also got the treatment from CSR: "BT money to your checking, you can always use extra cash, maybe you want to do home improvements", I guess they must get some kind of commission on BTs.

tried 5 times now calling Discover new accounts (888-676-3695) and have been shot down cold on any type of credit line shift or consolidation. only "positive" response was someone who said they'd review, but they'd pull credit report and make a decision.

i get the idea the new account people i've been taking to aren't high up the food chain. will try the standard 800-DISCOVER number when i get home.

p.s. i've asked this question generically to see if it was possible without giving them a card number, so it seems more standard policy than a card-specific issue.

djspray said:Is it a Biz card, or do you have one?

I tried a week after activating my Discover Miles Biz card, and that CSR was able to reallocate from 2 separate cards (1 biz, 1 personal). It didn't seem like a big deal to her.

old personal, new personal, and new business. what i meant is that i didn't input any particular card and just asked generically if i could reallocate or close a card and move its credit line to another card. i'm going to try 800-DISCOVER and see if I get at least someone telling me its possible without a review and hard pull.

mrBIGgmd said:Just moved my CL for Citi PremierPass Elite card to a Drivers Edge card. I had to close the PP card.
which department did you use to do this CL consolidation? retention? or their regular customer service?

mrBIGgmd said:
I called the number on the back of the PP card. I stated that I wanted to close my PP card and move the CL to another card. They xferred me to retention. I tried to move the line to a business card but they did not let me. They offered me a $25 statement credit but I just canceled the PP card, since the annual fee is $250, and moved the CL to the Drivers Edge card.

Isn't the fee on the PPE card more like $75/year?!

teammjs said:tried 5 times now calling Discover new accounts (888-676-3695) and have been shot down cold on any type of credit line shift or consolidation. only "positive" response was someone who said they'd review, but they'd pull credit report and make a decision.

i get the idea the new account people i've been taking to aren't high up the food chain. will try the standard 800-DISCOVER number when i get home.

p.s. i've asked this question generically to see if it was possible without giving them a card number, so it seems more standard policy than a card-specific issue.

I had similar experience trying to reallocate old Discover to a new Discover Gas card. When I called to activate, the CSR said I could not reallocate. Called again and the CSR didn't know, transferred me to billing assisting dept. They can forward the request to limit review dept but they would need to pull new credit report. Called again and a CSR took the reallocation request, put me on hold, came back and said they do not allow moving credit line from discover card to discover card(?). On a whim, tried the balance transfer department, they couldn't help.

I called CS again and asked for new accounts. Described what I wanted to do, she took info, put me on hold while she talked with "customer service." "Customer service" came on the line, and asked if i wanted a credit line increase. I explained i wanted to move from old card to new. She ask how much I want to decrease the old card. And then how much increase the new card. These questions seemed independent, as if not involving a shift. Then she asked for application type info. Told me to call back in 24 hours to see if it was approved. Sure enough, hard pull on Experian. Changes were effective online within a couple hours.

That's strange with the problem with Discover, they USED to be hardcases about it in the old days, but sometime last year they seemed to have lightened up and allowed more reallocation (in fact ENCOURAGING me to consolidate to just one card). Maybe they've tightened the screws again.