topic Re: Move Limits Between Chase Cards in Credit Cards

Move Limits Between Chase Cards

Anonymous — Tue, 27 Nov 2018 21:14:33 GMT

I finally just got approved for the Chase Amazon VS but with a limit of $700. Can I send Chase a secure message and ask if I can move $300 of my freedom unlimited limit to the amazon card. I'm more likely to buy something over $700 at amazon then need $1800 on my freedom.

Re: Move Limits Between Chase Cards

FinStar — Tue, 27 Nov 2018 21:27:02 GMT

Absolutely OP. You can send them a SM and let them know how you want the CLs reallocated.

Re: Move Limits Between Chase Cards

iced — Tue, 27 Nov 2018 21:49:13 GMT

@FinStar wrote:
Absolutely OP. You can send them a SM and let them know how you want the CLs reallocated.

Seconded. It's so easy to move CL around with Chase, even a caveman can do it.

Re: Move Limits Between Chase Cards

FinStar — Tue, 27 Nov 2018 21:50:35 GMT

@iced wrote:
@FinStar wrote:
Absolutely OP. You can send them a SM and let them know how you want the CLs reallocated.
Seconded. It's so easy to move CL around with Chase, even a caveman can do it.

@iced 😄 I see what you did there.

Re: Move Limits Between Chase Cards

RonM21 — Wed, 28 Nov 2018 00:05:03 GMT

Whereas with other cards it is an event to try move limits lol

Re: Move Limits Between Chase Cards

wasCB14 — Wed, 28 Nov 2018 00:18:12 GMT

I don't know if a reallocation request via SM will attract the attention of Lending or not - a department some prefer to avoid talking with.

People who call to reallocate are occasionally routed to Lending.

Re: Move Limits Between Chase Cards

FinStar — Wed, 28 Nov 2018 01:58:00 GMT

@wasCB14 wrote:
I don't know if a reallocation request via SM will attract the attention of Lending or not - a department some prefer to avoid talking with.

People who call to reallocate are occasionally routed to Lending.

I've never experienced any issues with doing it that way, but everyone's experience or outcome may vary. Any reallocation requests are fielded to any of the multiple lending teams and potentially anything that may trigger any red flags could (in some cases) route to the PRR group.

Re: Move Limits Between Chase Cards

ChargedUp — Wed, 28 Nov 2018 03:14:32 GMT

I moved CL from my CSP to FU and converted the FU to Signature with a simple phone call. No transfering to anyone else.

Re: Move Limits Between Chase Cards

UncleB — Wed, 28 Nov 2018 04:37:03 GMT

My own Chase reallocation was done via SM; in my case I moved the entire CL from an IHG MC to an Amazon Visa and closed the IHG.

I actually preferred SM since I felt it would lower my chances of dealing with lending, at least "in person".

It's very possible the SM rep had to contact lending on my behalf or manually forward my request to them, but in any case it was approved (and I didn't have to be concerned with being transferred while on the phone).

Re: Move Limits Between Chase Cards

wasCB14 — Wed, 28 Nov 2018 05:17:58 GMT

I called on a weekend a few months ago, and the front-line rep said there was some sort of designation on my accounts that any reallocation would have to go through Lending. Lending was closed until Monday, so there was nothing to do.

I used a different card for the large spend so a few weeks may have passed before I called back. When I did (on a weekday) the front-line rep handled it without any obstacle.

I'm not saying it's a common experience, just that reallocation isn't always smooth.

Re: Move Limits Between Chase Cards

Anonymous — Wed, 28 Nov 2018 18:59:53 GMT

@UncleB wrote:
My own Chase reallocation was done via SM; in my case I moved the entire CL from an IHG MC to an Amazon Visa and closed the IHG.

I actually preferred SM since I felt it would lower my chances of dealing with lending, at least "in person".

It's very possible the SM rep had to contact lending on my behalf or manually forward my request to them, but in any case it was approved (and I didn't have to be concerned with being transferred while on the phone).

I've been trying to get rid of my IHG Card since I stopped staying at IHG once SPG merged into Marriott and gave me more options. All I have with Chase is the Marriott Business Card through so I'd have to pick up a personal card that's not 5/24 restriced... assuming you can't transfer from personal to business. Don't wanna lose my $10k Credit Line.

Re: Move Limits Between Chase Cards

UncleB — Wed, 28 Nov 2018 19:13:51 GMT

@Anonymous wrote:
@UncleB wrote:
My own Chase reallocation was done via SM; in my case I moved the entire CL from an IHG MC to an Amazon Visa and closed the IHG.

I actually preferred SM since I felt it would lower my chances of dealing with lending, at least "in person".

It's very possible the SM rep had to contact lending on my behalf or manually forward my request to them, but in any case it was approved (and I didn't have to be concerned with being transferred while on the phone).
I've been trying to get rid of my IHG Card since I stopped staying at IHG once SPG merged into Marriott and gave me more options. All I have with Chase is the Marriott Business Card through so I'd have to pick up a personal card that's not 5/24 restriced... assuming you can't transfer from personal to business. Don't wanna lose my $10k Credit Line.

I don't know about transferring from personal to business... I'll have to defer to somebody else for that, but like you I also suspect you can't (although with Amex you can transfer from personal to business, but not the other way, so it might be worth checking out).

My IHG acquisition was strange; I actually thought I was on the Chase naughty list and apped to see what the letter would say; a couple of days later I was approved for $9k at the lowest APR. Lesson learned... if you're going to app expecting to get a denial letter, make sure you actually want the card in the event it's approved.

(Note that it turned out OK in the end, since when I got the Amazon Visa a few months later it was only approved for $500. I was able to move some (and eventually all) of the IHG to make the Amazon usable.)

Re: Move Limits Between Chase Cards

tcbofade — Wed, 28 Nov 2018 20:51:21 GMT

@UncleB wrote:
@Anonymous wrote:
@UncleB wrote:
My own Chase reallocation was done via SM; in my case I moved the entire CL from an IHG MC to an Amazon Visa and closed the IHG.

I actually preferred SM since I felt it would lower my chances of dealing with lending, at least "in person".

It's very possible the SM rep had to contact lending on my behalf or manually forward my request to them, but in any case it was approved (and I didn't have to be concerned with being transferred while on the phone).
I've been trying to get rid of my IHG Card since I stopped staying at IHG once SPG merged into Marriott and gave me more options. All I have with Chase is the Marriott Business Card through so I'd have to pick up a personal card that's not 5/24 restriced... assuming you can't transfer from personal to business. Don't wanna lose my $10k Credit Line.
I don't know about transferring from personal to business... I'll have to defer to somebody else for that, but like you I also suspect you can't (although with Amex you can transfer from personal to business, but not the other way, so it might be worth checking out).

My IHG acquisition was strange; I actually thought I was on the Chase naughty list and apped to see what the letter would say; a couple of days later I was approved for $9k at the lowest APR. Lesson learned... if you're going to app expecting to get a denial letter, make sure you actually want the card in the event it's approved.

(Note that it turned out OK in the end, since when I got the Amazon Visa a few months later it was only approved for $500. I was able to move some (and eventually all) of the IHG to make the Amazon usable.)

Been there, done that...