Credit line rellocation DENIED from Citi card

I call CRS to rellocated my high limit personal citi card CL to my new upromise personal citi card two days ago. Since it had been two days, I decide to call. I call three times and got three difference answer from CRS about the CL transfer.
First CRS claim that citi bank won't allow any CL rellocation since 5/25/2007. So my request is denied.
Second CRS told me it might take fews more days to process my request. Obviously he don't know anything.
Third CRS told me my request is denied because i got 0% BT promotion in upromise card which cause the request been denied.

I just wondering if anyone encounter this issue? I plan to ask for another relocation and if that fail, i will close one account and move entire CL to the upromise card.

Update 1:
It seen like "wait for 24-48 hours" mean not approved. Last time i relocate my CL of my citi card, it only take two hour to show on my account.
I request another relocation this morning, CRS waa nice and told me it will be done in 24hours. However, I check back in 5 hours, still no change. Seen like they are pretty tough this time. I going to wait for another 24 hours, then call to consolidate two account. Hopefully that will ok.

Update 2:
I try to rellocate from Dividend to diamond, diamond to upromise and dividend to upromise, all of the request got denied. I end up consolidate diamond to Upromise. I don't want to consolidate my dividend since i have it since 2002. The last CRS claimed that the "new policy" stated that you can not rellocated to account that have BT APR <3%. But she suggest me to consolidate.

Update 3:
Most of people have trouble rellocate the CL to the account with APR <2.99%. There is still ok to consolidate your account. So, please ONLY report if you are able to rellocate CL to any account with promotion rate. Some of the CRS will told you to "wait for 24 hrs" and that's doesn't mean it approved. Please report ONLY if you actually see the CL been rellocated.


Update 4:
Some members had sucessfully did the retention reallocation. That's seem to be the only way to rellocate currently.

I don't like the sound of it. Hopefully not true.

My experience last month is that they either can do it immediately or it won't happen regardless of what they promise. I suspect their computers are down a lot.

I reallocated $9k with Citi yesterday over the phone without any problem at all. I think your rep just doesn't know how to do it...

I made six Citi personal credit line reallocations in May. Eleven total attempts were needed. "Approved in 24 hours" always meant not approved. I never had success when I could hear the CSR typing excessively, like an email. I never had success reallocating a revolving credit line without closing it. Calls on a Saturday did not work as well as calls on a Sunday.

I did reallocate to an AMEX diamond credit line, with a zero fee, zero % offer. I also had no problem reallocating a line from a higher interest rate card to a lower one.

My last two reallocations were after May 25.

Three of those attempts were failures trying to convince them to reallocate a revolving credit line.

I faced a similar problem but everything worked when I decided to leave 2 K on my old card (instead of 1 K). Sometimes they have minimum credit limit required on some cards. So try to leave at least 2-3 K on your old card.

Except for business-->personal and personal-->business (and any Discover Card), I am probably in the high 90%+ range for reallocation attempts.

What I find most amusing is how friendly and easy reallocation between Merrill Lynch, Charles Schwab, and Fidelity is considering they are supposed to be bitter brokerage rivals. I'm surprised they didn't write a "fire-wall" into the contract even though all are issued through FIA.

ScootyPuffSr said: retire35 said: Three of those attempts were failures trying to convince them to reallocate a revolving credit line.

Pardon my ignorance, but what is a revolving credit line? I thought every credit card was a revolving credit line.

I looked it up and it said "a credit line that can be borrowed from again once it is repaid". Once I repay my credit cards my "available credit" goes up by the amount paid. I consider it a revolving credit line.

I'm myself am not entirely sure of the definition of "revolving credit line". But it seems that Citi Hilton and Premier Pass Elite are revolving credit lines. This is visible on the online account information. I had the most difficultly reallocating revolving credit lines.

Perhaps these are charge cards that you don't have to pay all at once, rather than credit cards? (I know, it doesn't make sense). Both cards are geared towards travel.

I also find that citi grants higher limits with revolving credit lines.

hguy229 said: I faced a similar problem but everything worked when I decided to leave 2 K on my old card (instead of 1 K). Sometimes they have minimum credit limit required on some cards. So try to leave at least 2-3 K on your old card.

In April I attempted to reallocate between Citi cards unsuccessfully. I was trying to move all but 1k from my AA to another card.

When I called back a few days later, I asked why the reallocation had failed. The CSR claimed I could not reduce the CL of my Platinum AA card below 2k. I told her to leave 2k and it was done instantly.

I reallocated (reclaimed?) $17k (full CL) from citi dividend -> mtvU. They said they won't allow reallocation, however they can "consolidate" as I wanted the old dividend card a/c closed.

Premier Pass Elite also has a 2k minimum.

got the 0% Universal card last week, called to activate and asked to reallocate from citi diamond and premier pass elite to the Universal leaving $500 at each account, they moved from diamond but not the premier

called couple days later talked to Indian rep and resubmitted the premier request

nothing happened for couple days so i called again and the American lady said premier requires $2000 minimum line, so i moved a figure that's not a whole number, like $3999.xx, she said it would go through in couple hours

nothing happened after couple days, so i called today, got an Indian rep, he said it was denied because you have to move a whole number amount!! i got fed up so i just asked to close the premier and consolidate, and it happens like that, no waiting, new credit line shows up right away online

World MC cards have 2000 minimum if you keep them open. If you decide to close it via consolidation, the full credit line can be consolidated.

FWIW, it is actually much better than Visa Signature, which is 5000 minimum line to maintain account.

Why in the world someone decides to move something that is .xx is beyond me.

AH! I called Citi a couple days ago and asked them to reconsolidated some of my credit lines post AOR. I wanted to pull 7000 from the 8000 on my AAdvantage card and 4500 from my platinum card and put it towards my Drivers (6800) edge card for a total of 18300 or something. They told me no problem.. that it would be complete in a couple days. No change yet, called them earlier tonight. They said wait. Both AMEX and Chase relocation happened instantly. Looks like i've been lied to. 2k min on AA card eh? I guess i'll call them tomorrow and switch some stuff up. Any suggestions?

DjPiLL said:
I ended up with a 29k 0% for life card. This card funded my house extension.

Hope you have a HELOC to flip this debt to if needed!

UGH, this is a very disturbing data point:

My coworker was approved for a Diamond Preferred Awards MC thru Citi and she was trying to reallocate her credit line to her Citi Driver's Edge, the CSR put er on hold to talk with sup...and they have made a new policy as of 5/1 that you cannot reallocate on new cards with 0% offers. The Diamond Preferred Awards MC has a 3% BT fee and $250 cap!!!

Anyone else finding similar experiences???

Sounds true as there are sporadic reports thruout FW about this new development - you can definitely thank the AORers for that.

Try to consolidate the old card to the new one - that is to close the old card via consolidation method - see if that would still work.

Also how long a history you have with Citi probably also plays a role.

Mikawl said: UGH, this is a very disturbing data point:

My coworker was approved for a Diamond Preferred Awards MC thru Citi and she was trying to reallocate her credit line to her Citi Driver's Edge, the CSR put er on hold to talk with sup...and they have made a new policy as of 5/1 that you cannot reallocate on new cards with 0% offers. The Diamond Preferred Awards MC has a 3% BT fee and $250 cap!!!

Anyone else finding similar experiences???

RushnRockt said: donthvname said: Correct, the cash/point rebate cards have $500 minimum.

Premier Pass is a point card, the limit for it is NOT $500.

And people reallocate to 0% BT even when they do not do AOR, it's just common sense.

PP & PPE already discussed on this thread - these and the AA are the 2K minimum we have known so far. And I think they are World MC as well.

The cash rebate/point rebate cards I refer to, are those that are not in the "world" class, and not travel-related type - thought it was obvious... sorry for not pointing that out.

Unless you need to carry a balance, or using the BT to pay other cards, otherwise 0% does not mean much. I got the 0% offer everytime I close an account with Citi, turned them down each time. Dont carry a balance, no need to use BT to pay off other cards, too impatient to wait for a year (and the monthly maintenance come with it) to gain some extra money, .... all these add together makes 0% useless to me, even it is common sense you would want o% on your card... but if that is a feature never comes into play then why bother?

On the other hand, the AORers definitely kill the 0% no fee offerings, for those who actually need it, not for extra income, but need it to help paying down higher rate loans or whatever.

On the other hand, the AORers definitely kill the 0% no fee offerings, for those who actually need it, not for extra income, but need it to help paying down higher rate loans or whatever.

Interesting that you think a couple dozen or a couple hundred people "definitely" have shifted the policies of a 270 billion dollar company that is wildly profitable.

I think you give me too much credit. It is flattering none the less.

By the way, I'm also the reason why food costs so much. You see I buy a lot of food on sale and drive down the margins at the grocery store.

I'm probably responsible for global warming too. Ooops.

One other thing, if I buy a plasma TV and new car I can't afford and run up CC debt then I "need" no fee BTs? But if I'm a hard working person just trying to save a little extra for retirement and donate the rest to charity then I'm not deserving of the BTs?

It is opinions like yours that make me glad we are a free market society rather than a command economy where people like you can dictate what people "need".

ext doesn't matter, I just told them I received the letter, and they just did it for me.