Today I called bank of america three times and talked to 3 different representatives. I am trying to consolidate the credit lines from 3 cards I have and they have to pull the credit report for this. This does not make sense to me as I am not asking for line increase. Chase and citi do not do this. Yesterday, I consolidated my chase and citi lines. Plus, I cannot full transfer of lines. That is, each card must have at least $100 line. Basically, I want one card and get rid of two other cards. Sacrifice I have to take for that 1. hard pull inquiry 2. loss of $200 credit line Does anybody have familiar experience with this (bofa)? Did I talk to wrong people? and perhaps, I should try talking to other reps? Thank you all for your help!