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Transferring CL from one GE card to another

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thelethargicage
Valued Contributor

Transferring CL from one GE card to another

I have a Rooms-to-Go card with a 6K CL that I haven't used in 3 years and a CareCredit card with a $3.7K CL.  Is it possible to transfer part of my CL from the CareCredit to the RtG card?  Also, does GE allow product changes?


Message 1 of 6
5 REPLIES 5
youngandcreditwrthy
Senior Contributor

Re: Transferring CL from one GE card to another

They don't allow PC or credit line transfers.
BUT it's fairly easy to get a cli. Just callCredit Solutions, ask for a big cli, then if approved-close the other account
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 6
chan85
Established Contributor

Re: Transferring CL from one GE card to another

FYI Care Credit does hard pulls for CLI, at least in my experiences.

Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020

Long Term Debt:
Fed Loans - $150k
Navient - $100k

Taking a "if God don't do it, it won't get done..." approach to paying these off.
Message 3 of 6
thelethargicage
Valued Contributor

Re: Transferring CL from one GE card to another


@youngandcreditwrthy wrote:
They don't allow PC or credit line transfers.
BUT it's fairly easy to get a cli. Just callCredit Solutions, ask for a big cli, then if approved-close the other account

I see.  Do they do soft pull CLIs?

 

Do store cards report differently than regular credit cards?  I mean, do you get a "boost" is your score from having a store card or two as opposed to having nothing but regular credit cards?


Message 4 of 6
youngandcreditwrthy
Senior Contributor

Re: Transferring CL from one GE card to another

Fico doesn't differentiate.
Ime, no scoring model can really tell the difference, but a credit analyst can tell the difference, or at least they claim to.
Carecredir does HP for cli.
Typically, GE will just sp ya for a cli, but it's always a safe bet to ask. Ive had just about every GE card except the two you mentioned... Lol I had $10k+ limits on like 8-9 diff cards with them. Closed some, reduced the lines on others.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 6
09Lexie
Moderator Emerita

Re: Transferring CL from one GE card to another

RTG and CareCredit generally pull Ex for the CLI's.
Message 6 of 6
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