I currently have two low balance cards via HSBC (one Household and one Orchard Bank). I"m considering calling up Household and requesting that the cards be combined into one $1000 card versus two $500.00 cards. Has anyone every tried anything like this with either card. I'd hate to call up and have them cancel my account. My payment hx is good minus a 3 month stint while I was unemployed -- I wish I would have paid for the protection program now. I PIF every month and actively use the cards to pay bills to keep activity on the account. Any thoughts? Is it too risky to ask to have the cards combined? Also, what happens to my AAOA if I combine the card? Does it somehow hurt it?
*********************************************************************************
Current Score (04/20/20): EQ:673; TU: 691; EX: 688 (FICO)
Starting Score (01/20/17): EQ:511 (FICO); TU: 521 (FAKO)
CapOne QS MC: $10k | Chase Sapphire Preferred: $14.5K | OpenSky Visa: $500 | Green Dot MC $300 | Green Dot MC2: $300 | AMEX Gold CC: NPSL | AMEX Platinum CC: NPSL | Amex Gold Delta Skymiles: $3k | DiscoverIT Chrome: $5.6K