cancel
Showing results for 
Search instead for 
Did you mean: 

Reallocation of Chase CLs between cards - any cons?

Frequent Contributor

Reallocation of Chase CLs between cards - any cons?

Just wanted to aks a quick question - I know that it might be possible to reallocate credit lines between different Chase cards. I was planning to activate my new CSP today and was wondering if I can  reallocate CL from my Chase Amazon. 

I currently have: 3k on Amazon + 5k on CSP

I ideally want to have: 1.5k or 2k on Amazon + 6.5k or 6k respectively on CSP (so 50% or 33% CLD on Amazon)

 

I am mostly concerned about CLD on my Amazon - as soon as this card already has some history (~8 months), won't it raise the flag with other lenders (maybe there are some especially sensitive ones) if I actually CLD on one of my TLs - I just don't want to cause the chain of other AAs by other lenders basically by doing this reallocation?

 

Your feedback is greatly appreciated! Thanks!

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 1 of 3
2 REPLIES
Established Contributor

Re: Reallocation of Chase CLs between cards - any cons?

I wouldn't worry about it too much. I've reallocated CL's twice, once between 2 Citi cards and another time between two Chase cards. I've never had any issues.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 2 of 3
Frequent Contributor

Re: Reallocation of Chase CLs between cards - any cons?


andre181 wrote:

I wouldn't worry about it too much. I've reallocated CL's twice, once between 2 Citi cards and another time between two Chase cards. I've never had any issues.


Great, thanks for you feedback. I just went ahead and reallocated it to 6k+2k while activating my card. It was done instantly. 

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 3 of 3