Chase Consolidation Bug & Lending Dept

[Anonymous]

Hi, just for reference: I have two Chase cards that I have been trying to consolidate. The closing card satisfied the full credit line consolidation requirement but CS team (both in secure message, and a supervisor on phone) didn't see the option of transferring the full limit to another card (this is to consolidate my $9000 aarp card into my $9000 amazon card), instead, they only see the $8500 option, which is usually the case if you haven't satisfied the 0 balance and 30 day inactivity. Everyone I talked to recognized I satisfied the requirements. Some suggested I wait for a statement to close, which had already happened too.

I eventually escalated the issue and CS sunior specialist via secured message contacted Lending and was told they can do it but have to speak to me directly. I contacted Lending, gave them a summary of what happened, and done. 

[K-in-Boston]

Usually you can only move the credit line minus $500 with Chase.  I actually ended up with a HP speaking to lending to get the last $500 from my old Slate card onto my Freedom card in March 2016 after a CSR had told me that there would be no problem moving the line over, then the next CSR couldn't do it.  Essentialy I took a HP for a $500 CLI - frustrating.  Glad it worked out for you.

[Anonymous]

This is the message I got from Chase when I first inquired about consolidation:

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****, we received your inquiry to consolidate your account 
credit lines. We offer two types of consolidations:

1. Full line consolidation - one account will be closed 
and its entire credit line will be added to the credit 
line of the remaining open account. To close this account 
it must have a zero balance and no activity for the past 
30 days.

2. Partial line consolidation - one account is reduced by 
a portion of its credit line and that amount is added to 
the other account.

To consolidate your accounts, the following must occur: 
- Both accounts must be the same type. We are unable to 
consolidate consumer accounts with business accounts.
- The responsible party on both accounts must be the same.
An account with Joint Liability can't be consolidated with
an account that has only one liable party. Additionally, 
the liable parties on both accounts must match.
- For business accounts, the business name on both 
accounts must also match.
- Both accounts must be open and in good standing at the 
time of the request.

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A subsequent message also mentioned this:

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Please note that in a full line consolidation one account 
will be closed and its entire credit line will be added to
the credit line of the remaining open account. To close 
this account it must have a zero balance and no activity 
for the past 30 days.

---

[UpperNwGuy]

When I have consolidated cards, I have always done it as a two-step process:  1.  Move about 90% of the credit limit of card A over to card B.  2.  Wait a month or two and then close card A. Yes, I lose a small portion of my credit limit, but I hate hassling with bank CSRs, and I have had enough screw ups by banks that I try to keep it simple.