lhendricks92 said:nymgiants said:lhendricks92 said:As far as Jupiter (aka, Barclays Bank), I was able to reallocate from an Orbitz World card to a Carnival SeaMiles card without too much trouble. The first CSR told me I would have to close the Orbitz card to move the CL, but once I got over to the credit department, reallocation magically became posssible.

FYI, Orbitz World doesn't report CL (just high balance), whereas SeaMiles reports CL - hence my desire to reallocate.

my Orbitz card does report the cl. i will try to move my other juniper card , regular platinum, again as each time I was told no so far.

Talk to the Juniper credit department directly at 866.408.4064. Good luck.

I was able to reallocate, Apparently juniper will not let you move additional $ onto a CL that is currently under a 0% BT offer. As soon as it expired after 6 months, they allowed me to reallocate

Was curious if anyone knows what, if any, issuers can "spin off" and create a daughter card, without a hard pull? Say you have AMEX clear, and you want blue cash, they cut your clear CL down and move a portion to the daughter card. Do any banks do this? I remember reading about this somewhere, but can't find it now.

Just want to report another success with Chase.

PerfectCard (7 years old) $30K -> $500
Marriot Rewards (brand new) $25K -> $500
Priority Club (brand new) $25K -> $500
Sony Visa (brand new) $1K -> $80K

I have another $10K from chase business I'll try to add shortly.

Received my Chase Sony today, but not my other Chase Personal Card from my AOR. Spoke with a curt, ignorant CSR, but she said she reallocated $17K from that card to my $7K Sony. I don't know if there was a supposed 6 month rule on this, but I just wanted to let others know.

I heard some say it took less than 5 minutes for it to show up so I'll see if she knew what she was doing

From my post above, I had a bad feeling when the CSR was rude and ignorant, turns out she didn't do anything as promised. I kept checking my online account and noticed no change so I called the phone # listed on the back of the card. Got a very good CSR, immediately reallocated the $17K (leaving $600 on that line) and verified other info I asked about. You just have to get the right people...

I also emailed on my Biz account to reallocate to the Sony and got this response. I know there's been no reported successes from reallocating from Business to Personal, but consolidation wouldn't be a bad way to get a higher CL. If it's a new account then you wouldn't even have take an average age score hit? Email below:

"Dear Mr. Goldfinder:

Please be advised that we are unable to transfer the
balances between two accounts, however, you have the
option of processing a Credit Line consolidation.

To be considered for a Line Consolidation, the following
set of conditions must be met:

* Both accounts must be open at the time of the request.
You cannot consolidate an open account with a closed
account.
* Neither account can be overlimit or past due.
* Only accounts with a zero balance and no activity
(within the last 3 months), qualify for a credit line
decreased to zero.
* The account with the decreased credit line of zero must
be closed when processing the line consolidation.
* The entire credit line (before it was reduced to zero)
of the closed account must be added to the existing credit
line of the account that will receive the credit line
increase.
* If the account has had activity within the last 3
months, then you will have the option to move a partial
credit line amount if the account meets the criteria.

You may wish to contact us at the number listed below to
discuss this further. We are available to assist you 24
hours a day, seven days a week."

I understand using more than 90% of your available credit on given card(s) is not recommend.
Is the effect a credit score drop and if so how much? Or is it just another piece of info Creditor may use regardless of score to determine whether they want to extend credit to me? Would utilizing 85% VS 90% make any difference?

And thanks to all the people who post. I have Made an incredible amount of $$$$$$$$$$ being a lurker here the last 4 months. Some people laugh when I tell them what I am doing. But, of course, I'm laghing all the way to the bank I mean hell, when a $50 signup bonus is worth $150 an hour (20min TOTAL from sign up to set up account,to make charge, to pay off), what do you think the $100 and $150, even $250 cards are making me an hour? Between the wife and me we have 34 new cards with 350k CL. Oh and the 325k miles I have gotten posted. And citicreditprotector is going to pay $600 or more of my gas bill! So on and so on and so on

And the reason for my post, I have 125k on 4 accounts. I did some consolidation. I think the time is ripe. 0% for 12 months on 3 of them and one for 15 months. Two with no fees at all for convience checks and two for $75.

My motto is: Document Everything!

Thanks

01LX - Why is the Citi AMEX Dividend better than the Citi MC Dividend?

I'm wondering because I use the MC Dividend Plat Select and have no complaints so far. I'm just worrying they're going to switch my 5% gas/groceries/drugstores to the 2% rate they're giving everyone else right now.

Does anyone know if HSBC bank allows conversion of cards?

For example I am interested in the new Best Buy reward zone mastercard (because I shop there alot)
and I was wondering if anyone has had sucess in converting cards because I don't want to open a new account at this time (because of the inquery)

Could I convert say a GM Card or a regular Best Buy store card to the R.Z. MC ?

I am looking to ask to move my bofa effectiva card to the fidelity 1.5% cb. has anyone have any success converting to idelity from bofa. I dont want to call if there is no way as if they decide to do a look at what i have in the nw combined mbna bofa account they may reduce my limits as i have a total on all 3 cards cl of 83,000