topic Re: Combining Limits Within Synchrony in Credit Cards

Combining Limits Within Synchrony

Harvey26 — Mon, 10 Oct 2016 20:33:14 GMT

Does anyone know if I am able to close my AE VISA and move the credit limit to my Sams Club Mastercard?

Re: Combining Limits Within Synchrony

Anonymous — Mon, 10 Oct 2016 20:41:40 GMT

No.

Both accounts are managed by Synchrony, but under different networks (MC vs. Visa) and with different co-branded partners. They cannot be combined.

Re: Combining Limits Within Synchrony

Anonymous — Mon, 10 Oct 2016 20:50:18 GMT

They have a strict no combining rule. They wouldn't even let me merge my two sams club store accounts.

Re: Combining Limits Within Synchrony

AverageJoesCredit — Mon, 10 Oct 2016 22:27:32 GMT

If we could do that Sync would probably be a most favored bank haha! But alas no as stated above

Re: Combining Limits Within Synchrony

UncleB — Mon, 10 Oct 2016 22:27:51 GMT

With Synchrony you can't combine, per se, but if exposure if causing an issue with getting a CLI, you can close (or CLD) another Synchrony card to enable them to give you a CLI .

Before doing that, though, I would try for a CLI first. If your TU is in good shape and your total exposure is under $100k, you can probably get a CLI without having to bother with closing or CLD another account, anyway.

It would be irresponsible of me if I didn't mention the Synch account freezes, though... if your accounts with them are new (especially if you opened multiple accounts at once) you might want to tread lightly until you have some history.