topic Re: Credit one combining limits in Credit Cards

Credit one combining limits

JBB529 — Tue, 30 Jun 2020 20:00:41 GMT

I'm in the process of rebuilding and I current have 2 credit one cards, each with an $800 limit. Before I call and waste my time, does anyone know if they will combine limits?

Re: Credit one combining limits

M_Smart007 — Tue, 30 Jun 2020 20:52:28 GMT

@JBB529 wrote:
I'm in the process of rebuilding and I current have 2 credit one cards, each with an $800 limit. Before I call and waste my time, does anyone know if they will combine limits?

@JBB529 I am not sure about credit one, you might call and see?

Re: Credit one combining limits

CreditCrusader — Tue, 30 Jun 2020 21:26:13 GMT

@JBB529 wrote:
I'm in the process of rebuilding and I current have 2 credit one cards, each with an $800 limit. Before I call and waste my time, does anyone know if they will combine limits?

It depends on which two cards you have.

Are they both Visa cards...or is one the Amex?

Re: Credit one combining limits

JBB529 — Tue, 30 Jun 2020 21:29:25 GMT

They're both visa platinums.

Re: Credit one combining limits

CreditCrusader — Tue, 30 Jun 2020 21:33:53 GMT

@JBB529 wrote:
They're both visa platinums.

If one is the Platinum Rewards Visa (red card, 5% bucketed rewards, $95 AF), I'd call and see if they would combine the limits and keep that card.

If they're both the blue card, I'd ask if they will PC to the red.

If they're both reds, you're pretty much stuck with them.

FYI regarding the Amex, they don't PC to it. According to the CSR, they offer it to you after a bit of time with the Visa cards.

Hope this helps!

Re: Credit one combining limits

JBB529 — Tue, 30 Jun 2020 21:41:55 GMT

Helps a ton, thank you. I'll call and post an update in the next couple days.

Re: Credit one combining limits

CreditCrusader — Tue, 30 Jun 2020 21:47:53 GMT

@JBB529 wrote:
Helps a ton, thank you. I'll call and post an update in the next couple days.

It's my pleasure.

Just remember, credit cards are very much YMMV...meaning that what was true for one CC user isn't gospel for all others. Credit card companies are an odd bunch with this economy. Don't be surprised if they give you the famous "not at this time" standardized line.

Hope for the best, but prepare for something less

Re: Credit one combining limits

AverageJoesCredit — Tue, 30 Jun 2020 21:54:26 GMT

This is really first time ive read about someone trying to combine 2 credit one cards. Good luck . I would concentrate more on achieving next level of credit card so you can ditch them. Sometimes asking too much from Credit One is risking double the trouble

Re: Credit one combining limits

missji — Thu, 02 Jul 2020 05:20:42 GMT

No, they will not. I called them about this two weeks ago. I have a card with a $1,350 limit. Logged in to my account and saw preapproval for a second card with an $800 limit so I called and asked for the $800 to be a CLI on the card I have. The rep said point blank that they do not combine limits. I was like oh so instead you guys just like to screw with AAoA?

Re: Credit one combining limits

CreditCrusader — Thu, 02 Jul 2020 12:30:45 GMT

@missji wrote:
No, they will not. I called them about this two weeks ago. I have a card with a $1,350 limit. Logged in to my account and saw preapproval for a second card with an $800 limit so I called and asked for the $800 to be a CLI on the card I have. The rep said point blank that they do not combine limits. I was like oh so instead you guys just like to screw with AAoA?

They will absolutely combine certain cards/limits. A family member asked for this and received not just the Platinum Rewards Red for the two blues, but an overall limit of $2,500.

Granted, the $95 AF isn't the best, but you can rack up some decent rewards with the 5% bucket/1% other cash back on the card.

Re: Credit one combining limits

missji — Thu, 02 Jul 2020 18:00:29 GMT

@CreditCrusader wrote:
@missji wrote:
No, they will not. I called them about this two weeks ago. I have a card with a $1,350 limit. Logged in to my account and saw preapproval for a second card with an $800 limit so I called and asked for the $800 to be a CLI on the card I have. The rep said point blank that they do not combine limits. I was like oh so instead you guys just like to screw with AAoA?
They will absolutely combine certain cards/limits. A family member asked for this and received not just the Platinum Rewards Red for the two blues, but an overall limit of $2,500.

Granted, the $95 AF isn't the best, but you can rack up some decent rewards with the 5% bucket/1% other cash back on the card.

Well, they told me point blank that they don't. I'm more inclined to believe what I was told by Credit One.m, especially since this was a "family member" and not your own experience. This could very well have been a new application for a new card while closing the other two.

Re: Credit one combining limits

JBB529 — Thu, 02 Jul 2020 18:25:48 GMT

This was a hard no on combining cards.