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Established Contributor
Posts: 657
Registered: ‎06-27-2012
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BOA card consolidation

Got 3 mo BOA account with 2500 limit.  Also have a 2k account which is 1 yr 8 mo's.  want to consolidate the 2 cards to increase my CL.  should I consolidate to the older account or newer one? thanks for the h elp.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: BOA card consolidation

I would leave them alone and let them age and grow naturally.

 

If you must mess with them. Line swap new to old, and close new.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: BOA card consolidation


Dustink wrote:

I would leave them alone and let them age and grow naturally.

 

If you must mess with them. Line swap new to old, and close new.


If needed, it's better to transfer from new to old account so you keep the oldest one opened.

 


Even better is to keep them like they are and try to get both CLI with one HP later on.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: BOA card consolidation

[ Edited ]

I didn't think BofA allowed card consolidation...I agree with other posters tho. Swap new to old and close new if you have to mess with the accounts.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: BOA card consolidation


maiden_girl wrote:

I didn't think BofA allowed card consolidation...I agree with other posters tho. Swap new to old and close new if you have to mess with the accounts.


I've done it before, although that was a few years ago. Unless something has changed since then, I think they still do consolidations.
FICOs: EX: 826, EQ: 817, TU: 810
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J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
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