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Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

Chase CLs Combined!

I'm so happy to report that I have combined my Chase Freedom and Chase Amazon cards. The accounts are only a few weeks old and I was able to call Chase and I got connected to a really nice agent in Illinois. He was able to move my CL from my Chase Amazon to my Chase Freedom and close out my Chase Amazon. I now have a total credit line from Chase of $4,500 on my freedom card!! I'm 500 away from Freedom siggy! OMG! I can't believe thiss!!

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Chase CLs Combined!


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
GeneralCucumbre
Posts: 147
Registered: ‎05-16-2012

Re: Chase CLs Combined!

Yep, just did this about 30 minutes ago as well.  I opened a Chase Freedom card about a few months ago and I decided that I wasn't really utilizing it and decided to close it out and transfer the credit limit to my Chase Sapphire.  Very fast and nice customer service.


Chase Sapphire Preferred Visa Signature - $22,000 | Chase Freedom Visa Signature - $11,300
Chase United MileagePlus Explorer Visa Signature - $10,000 | Chase Slate Visa - $15,000
Citi AT&T Universal MC - $13,600 | Best Buy (Citi) Card - $8,000
USAA Platinum MC - $16,000 | AMEX Everyday - $8,300
Amazon Store Card - $3,800
Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

Re: Chase CLs Combined!

Same. I'd rather have a few cards with nice limits than a bunch of cards.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008

Re: Chase CLs Combined!


GeneralCucumbre wrote:

Yep, just did this about 30 minutes ago as well.  I opened a Chase Freedom card about a few months ago and I decided that I wasn't really utilizing it and decided to close it out and transfer the credit limit to my Chase Sapphire.  Very fast and nice customer service.


Nice CL on that Sapphire... I'm trying to maximize my UR points so I did the reverse.  Opened up a Freedom and took some CL from the SP and hoping to get the Freedom to 5k when I activate it so I can use that 0% BT offer.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011

Re: Chase CLs Combined!

[ Edited ]

Banks are so ridiculous when it comes to policies like "combining CL's".    Some might combine limits but not allow a soft CLI or PC.  Others don't PC at all but will hand out CLI's like candy.  A hard pull for this, a soft pull for that, it is really getting hard to keep track of.  Maybe that's the fun in it though... end rant.

 


On topic.

Congrats! I have been thinking of that same thing with my Amazon and Freedom cards.  I don't really use my Amazon card at all anymore but it is one of my oldest tradelines.  I was thinking about moving/closing the Freedom CL over to the Amazon.  That way I can get the Freedom's awesome sign up bonus again plus, hopefully get better terms next time around.  Last time I applied for the Freedom I got a $350 bonus.  I would rather keep and build the older Amazon card. All the while churning the Freedom card every 2 years or so. 

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

Re: Chase CLs Combined!


flowfaster wrote:

Banks are so ridiculous when it comes to policies like "combining CL's".    Some might combine limits but not allow a soft CLI or PC.  Others don't PC at all but will hand out CLI's like candy.  A hard pull for this, a soft pull for that, it is really getting hard to keep track of.  Maybe that's the fun in it though... end rant.

 


On topic.

Congrats! I have been thinking of that same thing with my Amazon and Freedom cards.  I don't really use my Amazon card at all anymore but it is one of my oldest tradelines.  I was thinking about moving/closing the Freedom CL over to the Amazon.  That way I can get the Freedom's awesome sign up bonus again plus, hopefully get better terms next time around.  Last time I applied for the Freedom I got a $350 bonus.  I would rather keep and build the older Amazon card. All the while churning the Freedom card every 2 years or so. 


I would keep the card with the rewards that are most beneficial to you. Chase Amazon Rewards weren't beneficial to me. But Chase Freedom Rewards are! Chase was really nice about it and had no problem with the request! I was really surprised!

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Chase CLs Combined!

Congrats, but as an fyi, I have a $5k limit on Freedom, and it is not a Siggy... So a $5k limit doesn't guarantee Signature status :-(
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
melbaro
Posts: 89
Registered: ‎08-03-2012

Re: Chase CLs Combined!

[ Edited ]

What are the short and long-term effects to AAoA when doing this? I would be scared to close a card I just opened.

Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

Re: Chase CLs Combined!


youngandcreditwrthy wrote:
Congrats, but as an fyi, I have a $5k limit on Freedom, and it is not a Siggy... So a $5k limit doesn't guarantee Signature status :-(

Maybe you should call in and request siggy status. I'm not sure if its automatic. I think everyone who has it requests it. It's like converting your Freedom MC to Freedom VISA :smileyhappy:

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015

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