topic Combining credit lines with US Bank in Credit Cards

Combining credit lines with US Bank

Anonymous — Mon, 20 Jun 2016 19:25:46 GMT

Has anyone had luck with this? I have 3 Visa cards with US Bank and would like to combine them all into my Perks + Visa Siggy. Not even sure if US Bank does this. Their customer service is excellent from my experience and I do recommend them highly. Also wondering what will happen to my AAofA if this does happen

Re: Combining credit lines with US Bank

Involver — Mon, 20 Jun 2016 19:58:47 GMT

It can be done for a hard pull. If their CS says otherwise ask to be transferred to a supervisor. I don't know if combining more than two accounts will result in more than 1 HP, though, so tread lightly. Your AAoA will not change as the accounts will stick around on your CR for 10 years after closure.

Re: Combining credit lines with US Bank

Anonymous — Mon, 20 Jun 2016 20:25:46 GMT

@Involver wrote:
It can be done for a hard pull. If their CS says otherwise ask to be transferred to a supervisor. I don't know if combining more than two accounts will result in more than 1 HP, though, so tread lightly. Your AAoA will not change as the accounts will stick around on your CR for 10 years after closure.

they HP your credit report just to combine credit that they have already extended to you?

That seems a little backwards...

Re: Combining credit lines with US Bank

Involver — Mon, 20 Jun 2016 20:28:25 GMT

@Anonymous wrote:
@Involver wrote:
It can be done for a hard pull. If their CS says otherwise ask to be transferred to a supervisor. I don't know if combining more than two accounts will result in more than 1 HP, though, so tread lightly. Your AAoA will not change as the accounts will stick around on your CR for 10 years after closure.
they HP your credit report just to combine credit that they have already extended to you?

That seems a little backwards...

Citi and BoA do the same. Yes, it seems unnecessary but that's how it is.

Re: Combining credit lines with US Bank

RonM21 — Mon, 20 Jun 2016 22:06:01 GMT

Whoa. I didn't realize Citi and BoA HP for that. Thanks for stating this.

Re: Combining credit lines with US Bank

Ghoshida — Mon, 20 Jun 2016 22:12:39 GMT

Actually, amongst the leading card companies, only Chase is the one that does limit combining effortlessly.

AMEX has some rules about one card being 13 months old or something. (that might mean that you'll have to swallow part or whole of one AF in some cases before you can combine.)

Cap One didn't use to combine cards until recently. Even then, whether a legacy card will be combined or not depends on many factors, some of which are not completely known. There's a detailed thread about it on this forum.

As stated, Citi, BoA (I don't have this), and US Bank will do a HP to combine limits.

Unlike Chase, US Bank will not allow moving part (or whole) of the CL between branded and co-branded cards. Learnt this while closing my Club Carlson Plat. Not a big loss, $2.5k CL.