Migrating Credit

per the recent developments here

http://www.fatwallet.com/forums/topic_view.php?catid=52&threadid...

the list has been migrated temporarily to the QS of this thread. Please do not link it

Thanks for posting this!

how about a disinformation thread?

Any reason why this thread can't be made sticky on this forum?

Hindustani said: Any reason why this thread can't be made sticky on this forum?

I for one will strongly vote against make this sticky. Do you want more publicity? People need to learn how to do search and do their homework

Why don't we just start charging for access?

I will point out that anyone who can figure out the history button in the QS on the original thread can find the information.

Then again, that would take effort *and* thought. At that point, they may have figured out search....

The history button is only available to registered users, I believe. Which accomplishes the purpose of shielding the info from the casual browsing masses that would click the NYT link. If the info is not spoon-fed, nearly all will simply move on.

telflonmail said: OMG!

We might get new members and one may become active and provide better information. It will then disrupt the tenured positions of the experts of FWF.

more troublesome is the possibility of another TripleB seeking an expedited tenure

telflonmail said: OMG!

We might get new members and one may become active and provide better information. It will then disrupt the tenured positions of the experts of FWF.

Well, that wouldn't be the first thing I will give up and move on to greener pastures, leaving room for the newcomers.

Last week I gave up on Whole Foods. Plenty of people will migrate from Wal*Mart to take my place in the fanbase, and this is a good thing for the American economy.

Thanks to this site, I got a new Citi Premier Pass account but cannot consolidate my Credit limit lines.

When they opened the new card, they took $6k credit limit from another Citi card. "....already have the maximum allowed credit to an individual."

My other Citi card is an CITI AMEX card.

Is anyone else having trouble consolidating their Citi accounts? I've done it before a few years ago.

blackicex said: From what I heard, their policy on reallocation/consolidcations have gotten stricter. However, I was able to reallocate back in March when I applied for a Citi Forward and I also had the "maximum allowed credit." Never heard of them doing that for you automatically though.

On a side note, anyone know if Citi has a limit on the amount of cards you can have? I have 5 (4 personal, 1 prof) with them so far. I might just apply with US Bank, but their cards look pretty ugly.

I have 10 cards with CITI right now(not yet heard about any limit), so you got some room.

if the intent is to hide/bury this info, why do FWF addicts GREEN it?
it is counterintuitive but give it some RED

Garstud said: thinwallet4d said: blackicex said: From what I heard, their policy on reallocation/consolidcations have gotten stricter. However, I was able to reallocate back in March when I applied for a Citi Forward and I also had the "maximum allowed credit." Never heard of them doing that for you automatically though.

On a side note, anyone know if Citi has a limit on the amount of cards you can have? I have 5 (4 personal, 1 prof) with them so far. I might just apply with US Bank, but their cards look pretty ugly.

I have 10 cards with CITI right now(not yet heard about any limit), so you got some room.

I'm not really concerned with the limit, between the two cards it's ~$40k. Problem is only 8k is on the 0% offer card. Anyone else having trouble consolidated their credit lines? Could it be because one is an AMEX and the other is a mastercard?

Citi stopped allowing you to consolidate balances onto a card with an introductory 0% promo about a year or so ago.

Two questions on Chase:

I have a 40K line on my one and only personal chase card with no balance. I used it a while ago to for a BT offer but it's now something like 14%.

Any chance I will be able to get convenience checks with a capped BT fee from Chase after migrating the 40K to a new card?

I read somewhere here about them reserving the right not to honor a conv. check within the credit line. Has this happened to anyone?

hooptyhoo said: Two questions on Chase:

I have a 40K line on my one and only personal chase card with no balance. I used it a while ago to for a BT offer but it's now something like 14%.

Any chance I will be able to get convenience checks with a capped BT fee from Chase after migrating the 40K to a new card?

I read somewhere here about them reserving the right not to honor a conv. check within the credit line. Has this happened to anyone?

Well, not only is it true that Chase has reserved the right not to honor the checks, but now, many times, the CC doesn't even come with a convenience check, and when you call to request one, they say you have to wait like 3 months. In addition to that, currently Chase is NOT allowing limit consolidations on ANY of their credit cards, so if you apply for a new Chase CC, you won't be able to move that $40K over to it. Hope that helps.

SuperG03

hooptyhoo said: I have migrated Citi balances the past year to take advantage of a 0% offer on a new card, I think about 4 months ago. The new card was about 5K and they let me move about 15K in other cards onto it.

They did say, however, that they would not transfer from a business line (secured by my personal credit) to a personal line. So I got hit by two $75 fees rather than one.

Really?? Which Citi Cards did you consolidate? Do anything special to get it done? Did you talk to normal customer service, a supervisor, cancellation department?
Thanks.

hooptyhoo said: Gar: In March of this year I consolidated a very old citi CC into a new professional card 12 month 0% balance transfer offer. I think I just called the regular 800 number on the back of the card shortly after getting it.

At the time I had no balances on any Citi Cards.

Thanks Hoop, I'll try again. No balances here either, I wonder if it's because it's an AMEX.

delete

mkdevo said: I think the Citi Premiere Pass card offer may be expired. I applied over the weekend, and was approved, but this came in via email today:

Please note the following:

o We are unable to provide you with the promotional balance transfer Annual Percentage Rate as indicated on your solicitation. This is because you responded to an offer that had expired. Any balance transfers you may have requested with your application were not processed.

If you are still interested in transferring a balance, please call us at the toll-free number listed above.

Kind of annoying since the only reason I applied was to transfer a balance. Ugh.

Same issue here. I called the 800 number on the email, and was transfered to customer service, they indicated the new offer on the card was 0% for 6 months, with a 3% BT fee, no maximum. The rep indicated the 0% for 12 months with no fees expired on 8/29. I asked them if there was any way I could take advantage of the previous offer, and they submitted to a supervisor, and told me to call back in two days. Not too optimistic that it will come through, but its irritating since the only reason I applied for the card was the 12 month offer.

final plea, I put the time in, so I feel I got a say. The QS on this thread is out of date, and the format is so screwed up that I can't edit it anymore. The only cards on this list that are not on the other are a few US bank cards, and the extra barclays personal. The rest are all out of date. I'll continue to update the other thread, but this one is pointless and out of date now.