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I think calling boa/ fia or any other big bank these days may turn into a nightmare ! you don't want them to combine the 2 cards into 1 closed account !!
@Karatz wrote:
I really don't know what to say here. It doesn't seem like combining really helps you with your credit score much. If all you are after is lowing the number of cards, I'd probably wait till closer to Christmas when the retailers start giving VISA/MC/Amex some heat to make their Christmas a little bit better...
There will be massive heat in every direction starting about 01NOV this year. It is going to be a very bad Christmas.
@creditwherecreditisdue wrote:
@Karatz wrote:
I really don't know what to say here. It doesn't seem like combining really helps you with your credit score much. If all you are after is lowing the number of cards, I'd probably wait till closer to Christmas when the retailers start giving VISA/MC/Amex some heat to make their Christmas a little bit better...There will be massive heat in every direction starting about 01NOV this year. It is going to be a very bad Christmas.
That's my goal for having my last CC paid off, so no xmas interest bonus for them
I haven't had any problems talking to BoA. I've request CLI and done a PC on my account in the past 3 months. They declined the CLI but approved the PC.
An $8k CL would surely be a handier card than either of the two now....IMO.
@Anonymous wrote:
An $8k CL would surely be a handier card than either of the two now....IMO.
That is exactly what I am thinking. Each card I used to $7100 CL and they CLD them to $5k and $3K. I thought if I combine them I would have some decent card limit with $8K than two cards. Or I'll just sock drawer both cards as I stopped using them after the recent CLD.
@Red1Blue wrote:
@Anonymous wrote:
An $8k CL would surely be a handier card than either of the two now....IMO.
That is exactly what I am thinking. Each card I used to $7100 CL and they CLD them to $5k and $3K. I thought if I combine them I would have some decent card limit with $8K than two cards. Or I'll just sock drawer both cards as I stopped using them after the recent CLD.
If that is your intention then go for it. I would wait until normal business hours next week before I made the call though.