dhl said:markkundinger said:This is potentially very disappointing. I'm especially wondering on the impact on new card applications when you've already got a bunch of credit with Citibank. Even if I wasn't trying to game the system, it would be a pain if you got a new card, and the credit line was left to the whims of whatever the analyst felt like reallocating.

Anyone tried reallocating via a request through email? (I don't know if they even allow that).

Finally, the "nuclear option" might be to request the card be closed, and the line consolidated.

I'm trying that now via their "Contact Us" Send a New Message button...

Okay... Let us know as soon as you hear something.

My (by fatwallet standards unsavy) fiance yesterday relocated her credit lines to accommodate a balance transfer on her new citi driver's edge card (0% 12 months no bt fee). I didn't even tell her people were lately having trouble with it, because she would have gotten nervous about it..

Anyway, my guess is that it depends on the CSR OR perhaps customers fitting a certain profile are getting blackballed (or visa versa- those fitting a certain customer profile are specically still allowed to do it)..

Nummerkins said:Anyone tried reallocating via a request through email? (I don't know if they even allow that).

Yes, and I got some message telling me to call Citi about it. I responded and asked them what the point of their secure email was if every single time I ask something I'm told to call. Of course, the response told me to call again.

you can be sure that Citi really doesn't need your business if you are getting smart with them --- their response is appropriate

You can downgrade AA Gold/Plat to AA Bronze, which is not a World MC and has the minimum of $500 or $1000 CL. You may even be able to downgrade other World MCs to Platinum MC without any change to your rewards program (or annual fee, if there is one) - only loose some MC benefits. Many issuers even give you Platinum MC when you apply for World MC but qualify for CL below $5000 - with everything else, other than the MC benefits, the same. This is usually in small print on the application.

Also, if you do not want to sacrifice your oldest cards, but wish to re-allocate CL from them, move it to some intermediary card that does not have promotional BT offers, and consolidate that one with the card that does. I have a bunch of useless post-promo Citi cards that I wouldn't mind closing this way (Simplicity, AA Bronze, Diamond Rewards, alas Sears and Exxon don't count), while my oldest, Dividend, is really the only one I'd keep. I don't get any good offers on the existing cards anyway, and Credit Protector rebates are now limited to 1 per household per year or something like that. But if you need an intermediary card, just apply for one without intro APR promo - preferably via cardoffers.com or another site alike.

markkundinger said:Eugene, If the goal is get the CL reallocated to a new 0% card, I'm not sure if an "intermediary" helps?

I think his goal (and my goal as I described very similarly above) is to get additional credit onto the 0% card.

He and I both outlined how we would reallocate to a relatively new, non-promo, unimportant card. Then we would consolidate that card into the promo card.

It is my understanding that reallocation is forbidden but consolidation is not.

I said:Mark this down as reason #2489724 on why not close a no annual fee credit card until you have a good reason. If this rule holds I will have absolutely no problem reallocating to my latest 1-2 year old Citi card and then consolidating (closing) into the latest promo.

tomflys said:Well, I got it. I consolidated (closed) my AA World card to my old platinum dividend card. I then had to close my old platinum rewards card and consolidate it to my Drivers edge card with the 0% promo. Not so good. I had to close 2 card at citi. One of those was my oldest citi card. I'm pretty sure this is going make my credit take a hit.

Call back and say there was a mistake, you didn't really want that card closed.

good luck

Has anyone been able to confirm whether this affects reallocations as well as consolidations? If it doesn't impact consollidations, at least we'll have something to fall back on.

EugeneV said:One more thing to keep in mind is that when you consolidate you concede your reward point balance - at least with Dividend Dollars and Driver's Edge. AA miles, obviously, get transferred to AA once a month and you will loose only the pending mileage. ThankYou points, too, get transferred into your master account monthly - but I'm not sure if you must keep at least one "sponsor" account to access it.
With Driver's Edge you can have them dump them into your TY account instead.

Proudparentof4 said:Today I consolidated my Citi American Express and att universal. Moved 23300 to my att and closed my citi. I have a 0% until next May, although the card has been opened awhile, since I had a year to use Citi's offer. I had no problems. YMMV it seems.I hope I dont have to consolidate. I have a Citi Diamond Preferred MC and Citi Diamond preferred AMEX. The MC has been open for a few years and the AMEX has been open for 11 months now, but I hope to use the 12 months 0% BT on it in the next couple days. I'll try reallocation and see what happens. If that doesn't happen, I actually doubt I'll consolidate as the MC is grandfathered in on the 5% gas/groceries/drug store purchases. Don't want to lose that benefit.