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It's in the fine print when you go to the combination screen - it specifically discloses that the account combo 'counts' as a CLI and will make you ineligible for increases for 6 months, including automatic increase programs you may have been enrolled in at issuance - in other words, no steps if you combine
@rmduhon wrote:
The card my mom is thinking about closing is over 6 months old. The card that it's being combined into doesn't have to be over 6 months old.so she is eligible.
It makes no sense to combine a no-AF, older card into a younger, lower-tier + AF card.