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BOA card consolidation

Established Contributor

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
4 REPLIES
Valued Contributor

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

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

Re: BOA card consolidation

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.

As of 2017, rebuilding...
Valued Contributor

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.
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL