Barclays: Combining limits with a balance?

[Dw4250]

Does anyone know if Barclays allows you to combine CL if one or both cards have a balance?  I'd like to close Arrival+ and move the CL to my Sallie Mae.  As of today, I have $900/$6600 on the Sallie Mae and $500/$8500 on the Arrival+.  Can I do it today, or should I wait until one or both are paid down to $0 (probably August 1)?

[Anonymous]

I have moved CL before but not combined with balances on both. From my Ring to my Aviator.

[kdm31091]

You may have to wait, as the APRs are likely different, and they usually want a 0 balance on cards you're consolidating.

[ojefferyo]

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@Dw4250 wrote:

Does anyone know if Barclays allows you to combine CL if one or both cards have a balance?  I'd like to close Arrival+ and move the CL to my Sallie Mae.  As of today, I have $900/$6600 on the Sallie Mae and $500/$8500 on the Arrival+.  Can I do it today, or should I wait until one or both are paid down to $0 (probably August 1)?

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you have to have a zero balance on the card you are transfering the limit from if you are going to transfer all the limit. 

[Anonymous]

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@Dw4250 wrote:

Does anyone know if Barclays allows you to combine CL if one or both cards have a balance?  I'd like to close Arrival+ and move the CL to my Sallie Mae.  As of today, I have $900/$6600 on the Sallie Mae and $500/$8500 on the Arrival+.  Can I do it today, or should I wait until one or both are paid down to $0 (probably August 1)?

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Any account that has to be combine must have a zero balance.  This does not only apply to Barclays but all banks that allow credit lines to be combined.

[Dw4250]

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@Anonymous wrote:

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@Dw4250 wrote:

Does anyone know if Barclays allows you to combine CL if one or both cards have a balance?  I'd like to close Arrival+ and move the CL to my Sallie Mae.  As of today, I have $900/$6600 on the Sallie Mae and $500/$8500 on the Arrival+.  Can I do it today, or should I wait until one or both are paid down to $0 (probably August 1)?

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Any account that has to be combine must have a zero balance.  This does not only apply to Barclays but all banks that allow credit lines to be combined.

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DO both accounts have to be at $0 or just the account being closed/merged?  For example if I'm closing the Arrival+ and moving the CL to Sallie Mae, do they both need to be at $0 or just the Arrival?

[Anonymous]

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@Dw4250 wrote:

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@Anonymous wrote:

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@Dw4250 wrote:

Does anyone know if Barclays allows you to combine CL if one or both cards have a balance?  I'd like to close Arrival+ and move the CL to my Sallie Mae.  As of today, I have $900/$6600 on the Sallie Mae and $500/$8500 on the Arrival+.  Can I do it today, or should I wait until one or both are paid down to $0 (probably August 1)?

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Any account that has to be combine must have a zero balance.  This does not only apply to Barclays but all banks that allow credit lines to be combined.

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DO both accounts have to be at $0 or just the account being closed/merged?  For example if I'm closing the Arrival+ and moving the CL to Sallie Mae, do they both need to be at $0 or just the Arrival?

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Yes.  They both have to be at a $0 balance.

[tdj]

It is not necessarily true that both accounts must not have a balance. Yesterday I was able to combine two accounts (a heavily used Rewards with a balance and a rarely used Apple with no balance) and had no problems. I have had the accounts for nearly two years.

I called the 24-hour backdoor number, not customer service.

[CreditCuriosity]

I actually combined lmits somehow along time ago with a approx 30$ pending charge.. they let me go through with it, but rules might of changed?  Just paid it off a few days later being the balance on the closed account.  This was about 5 months ago or so?  Maybe cause it was pending?

So just saw posters response above mine and he was able to do it, guess it is a YMMV type of thing and the analyst you get?

[tdj]

I called a long time ago, not too long after I opened both cards, and they wouldn't do it then. I am sure I probably had a balance on the Rewards then as I've used it for daily spend for ages, but they didn't cite it as a reason then. Just "no, sorry, can't do that."

I don't know if the different answer this time was a function of calling the backdoor instead of customer service, or if it was because the accounts are now much older, or perhaps even they stayed gunshy about combining after the Juniper disaster several years ago (their automated underwriting malfunctioned and was giving people without the score or income to support it $20k limits on several cards, which they were then calling and combining for monster limits -- they were very difficult to combine for a long time after that, as I understand it) and perhaps they have loosened up a bit lately.