09-17-2012 09:54 AM
Everything is going very well but I desperately need to work on my CLs for the cards that report on me for consumer credit. What I plan on doing is combining two Citi cards, a Citi Thankyou Pref of $3200 and a recent Citi Diamond Pref card that I just apped for and received in July with a limit of $4700.
Goal is to create a single consumer CL of $8,000+ in order to build stronger and deeper lines in the future. My first Thankyou Pref line was established in 2011 and the Diamond Pref line again established in 7/12. How soon would anyone of you recommend me wait to combine these two lines? I plan on combining the cards by rolling the Thankyou card into the Diamond Pref line. Understand the AAoA ramification of about 14 months, but I've got another method of strengthening AAoA. And I think the newere Diamond Pref card can be grown faster and stronger in the long run.
6 Months? 3 Months? 1 yr? or as long as I have low balances on each it shouldn't matter?
09-17-2012 11:16 AM
I think you should keep ThankYou Preferred instead. However, last time I talked to Citi they don't move CL from one to another.
09-17-2012 12:36 PM
Thanks for the insight. What I'm really after is a higher limit and to app for the new Citi Hilton Reserve card. Not sure how 3 Citi cards will play. And would also like for the new card to have a maximal limit. Not looking fot have too many accounts in total.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.