topic Re: Will Amex combine accounts? in Credit Cards

Will Amex combine accounts?

Slowlyrebuilding — Sat, 07 Aug 2021 13:50:24 GMT

Will Amex combine accounts? I have 2 Hilton Amex (regular and surpass) and was hoping to combine them. And do they have any requirements or hard pulls to do it?

Re: Will Amex combine accounts?

Remedios — Sat, 07 Aug 2021 13:53:54 GMT

You can move credit line from one account to another, and you can do it yourself online.

No HP.

I am fairly certain you cannot move entire line, so you'll need to figure out (or maybe someone will know) how much you need to leave on the card you intend to close.

Re: Will Amex combine accounts?

M_Smart007 — Sat, 07 Aug 2021 15:21:05 GMT

IME .. I have always found, that you need to leave $1K on the card you need to close, after re-allocation.

Re: Will Amex combine accounts?

Brian_Earl_Spilner — Sat, 07 Aug 2021 15:52:20 GMT

@Remedios wrote:
You can move credit line from one account to another, and you can do it yourself online.
No HP.
I am fairly certain you cannot move entire line, so you'll need to figure out (or maybe someone will know) how much you need to leave on the card you intend to close.

Think you have to leave the minimum credit line on a card you're transferring off of.

Re: Will Amex combine accounts?

Remedios — Sat, 07 Aug 2021 16:09:50 GMT

I only have one 🤷‍♀️

Re: Will Amex combine accounts?

SoCalGardener — Sat, 07 Aug 2021 17:17:55 GMT

@M_Smart007 wrote:
IME .. I have always found, that you need to leave $1K on the card you need to close, after re-allocation.

I just did this last week, and the amount I was required to leave was $500. IOW, you can transfer one card's entire credit limit, minus $500, to another card.

Re: Will Amex combine accounts?

coldfusion — Sat, 07 Aug 2021 17:46:56 GMT

@SoCalGardener wrote:
@M_Smart007 wrote:
IME .. I have always found, that you need to leave $1K on the card you need to close, after re-allocation.
I just did this last week, and the amount I was required to leave was $500. IOW, you can transfer one card's entire credit limit, minus $500, to another card.

YMMV. In many cases, like yours, they will allow all but $500 to be transferred but sometimes they do require $1K remain behind.

They also officially require that the donor card to be more than a year old but AMEX isn't always known for rigidly enforcing all of their policies either.

Re: Will Amex combine accounts?

Loquat — Sat, 07 Aug 2021 17:56:12 GMT

I don't know if this holds true for others...but I came into Amex with a DC'd BK13 and while they'll happily approve me for other cards, they have NEVER given me a CLI on my card and will not let me move limits around.

My BK13 is long off my reports and Amex was never burned in my BK but still, they'll approve me for cards and often with decent limits...but and increase or the ability to move limits has never happened...and I've been with them for quite some time now.

Re: Will Amex combine accounts?

SoCalGardener — Sat, 07 Aug 2021 18:28:25 GMT

@coldfusion wrote:
@SoCalGardener wrote:
@M_Smart007 wrote:
IME .. I have always found, that you need to leave $1K on the card you need to close, after re-allocation.
I just did this last week, and the amount I was required to leave was $500. IOW, you can transfer one card's entire credit limit, minus $500, to another card.
YMMV. In many cases, like yours, they will allow all but $500 to be transferred but sometimes they do require $1K remain behind.

Yes, of course! I thought "the amount *I* was required...." implied that.

Re: Will Amex combine accounts?

Anonymous — Sat, 07 Aug 2021 22:23:45 GMT

@Loquat wrote:
I don't know if this holds true for others...but I came into Amex with a DC'd BK13 and while they'll happily approve me for other cards, they have NEVER given me a CLI on my card and will not let me move limits around.

My BK13 is long off my reports and Amex was never burned in my BK but still, they'll approve me for cards and often with decent limits...but and increase or the ability to move limits has never happened...and I've been with them for quite some time now.

I wonder if this is what is shooting me in the foot too. No BK but my revolvers were approved with lower scores than now (by 75ish points), and to this day, not a dime in CLIs after nearly three years with them. No throttling of spend on my Gold or Platinum either though. I'm wondering if I'll need to just close these cards and reapply another time. Seems an awfully lot like bucketing to me.

OP, to your point, I've tried to move part of my $1k revolver limits around and was always told that $1k was the minimum for my cards, so no reallocation was possible for me.

Re: Will Amex combine accounts?

NRB525 — Sun, 08 Aug 2021 10:02:21 GMT

@Anonymous wrote:
@Loquat wrote:
I don't know if this holds true for others...but I came into Amex with a DC'd BK13 and while they'll happily approve me for other cards, they have NEVER given me a CLI on my card and will not let me move limits around.

My BK13 is long off my reports and Amex was never burned in my BK but still, they'll approve me for cards and often with decent limits...but and increase or the ability to move limits has never happened...and I've been with them for quite some time now.
I wonder if this is what is shooting me in the foot too. No BK but my revolvers were approved with lower scores than now (by 75ish points), and to this day, not a dime in CLIs after nearly three years with them. No throttling of spend on my Gold or Platinum either though. I'm wondering if I'll need to just close these cards and reapply another time. Seems an awfully lot like bucketing to me.

OP, to your point, I've tried to move part of my $1k revolver limits around and was always told that $1k was the minimum for my cards, so no reallocation was possible for me.

Your BCP, Delta, Surpass and Hilton cards are all at $1k only?
What is the usage pattern for these cards?

Re: Will Amex combine accounts?

Anonymous — Sun, 08 Aug 2021 12:06:28 GMT

Yep, and all four (plus Plat and Gold) used monthly. Cobranded cards for $150-350/month, BCP as much as $650.

One lone old derog on EX, paid years ago and waiting to come off. I'd have thought that was the reason but I've been seeing approvals with multiple derogs and lower scores for more than $1000 lately, hence why I'm wondering about a bucket. Their scores are higher now than mine were at approval, but mine are higher yet as of now.