topic BB&T CL combining in Credit Cards

BB&T CL combining

Anonymous — Fri, 15 Mar 2019 16:19:43 GMT

Does anyone here have any experience with combining accounts/or credit limits with BB&T? i was going to call them, but wanted to ask for input first. any help would be appreciated, thanks MYFico fam.

Re: BB&T CL combining

FinStar — Fri, 15 Mar 2019 18:25:02 GMT

They do not combine, reallocate CLs nor PC between products.

Re: BB&T CL combining

Anonymous — Sun, 17 Mar 2019 06:58:06 GMT

how do they handle CLIs?

Re: BB&T CL combining

CreditCuriosity — Sun, 17 Mar 2019 13:51:22 GMT

HP believe you gotta go into branch? I know at @pipeguy has some experience with this bevlieve he tried to get a CLI, but instead opted for a new card with 0% interest for a year.. He can certainly speak better about it than myself though. Just recall him mentioning how they work with CLI's

Re: BB&T CL combining

pipeguy — Sun, 17 Mar 2019 21:21:26 GMT

@CreditCuriosity wrote:
HP believe you gotta go into branch? I know at @pipeguy has some experience with this bevlieve he tried to get a CLI, but instead opted for a new card with 0% interest for a year.. He can certainly speak better about it than myself though. Just recall him mentioning how they work with CLI's

As CC mentioned, I've been a customer of BB&T for a long time and I'm also hoping that their merger with SunTrust will bring them into the 21st Century as far as "larger view" banking policies. Anyway, in MY experience, I had a Bright Card with either a $5k or $7.5k limit and after 3+ years I asked for a CLI to $10k - was told I had to go into a branch, so I did. My "personal banker" aka the guy that sits at a desk assigned to my name, but nothing special as far as privileges "suggested" that rather than going for a CLI for $10k, I should apply for a new Bright card with a $10k SL and 12 months of 0% apr - okay. We ran the so-called "app" at his desk and yes they did a hard pull but I was instantly approved for a new Bright card with a $10k SL and 0% for 12 months. BB&T did NOT cancel the older card - 6 months later I asked them to combine the cards and was told they don't do that so I canceled the older one.

Last Summer I was offered the BB&T Spectrum Signature with 12 months of 0% apr, a lower ongoing apr and I accepted that invitation (neither of the Bright cards were "Signature" which I don't really care about anyway). Since I'm still in the 0% period for the Spectrum, I have not even thought about a CLI or combining the two cards.

I have no doubt that I ran into a promotional period where BB&T and my local "bank officer" were trying to increase their Bright Card exposure which worked out fine for me. As far as another current cardholder, you might not be presented that offer, but you'll still need to go sit at a desk in a branch and have a loan officer phone in your request.

In my opinion, if and when BB&T merges with SunTrust and they become the 6th largest national bank they'll need to get past this "community bank mentality" where customers are required to utilize branch resources for a routine business errand like CLI requests.

Re: BB&T CL combining

Anonymous — Sun, 17 Mar 2019 22:48:09 GMT

Yes that is insane that you have to go to a branch to request a CLI and then on top of that it’s an HP!! I’ve got someone has an account there and I was considering becoming a joint owner, but I can’t even find that option! I’m sure that’s a branch only thing if it’s allowed as well.

Yes, i’m surprised there are as large as they are now like this, and it’s hard to imagine them not having to get with the times to survive today, especially with this merger.