topic Re: Combining Credit Limits (Chase) in Credit Cards

Combining Credit Limits (Chase)

Anonymous — Thu, 17 Feb 2011 07:30:22 GMT

I have 2 chase cards, and I think it makes more sense to just have 1 to focus spend to maximize on rewards. Anyways, anyone have issues doing this before? Seems like a simple combination of both limits onto one card.

Re: Combining Credit Limits (Chase)

Anonymous — Thu, 17 Feb 2011 13:02:30 GMT

@Anonymous wrote:
I have 2 chase cards, and I think it makes more sense to just have 1 to focus spend to maximize on rewards. Anyways, anyone have issues doing this before? Seems like a simple combination of both limits onto one card.

I don't have a Chase card myself but I have heard that while many CCC doesn't let you combine CLs, Chase does!

Re: Combining Credit Limits (Chase)

Anonymous — Thu, 17 Feb 2011 13:07:25 GMT

I just did it the other day - I combined my Amazon.com and Freedom card. Call their credit consolidation department at 800.219.0015 - you shouldn't have any problems... Good luck!

Re: Combining Credit Limits (Chase)

Anonymous — Thu, 17 Feb 2011 13:11:15 GMT

@Anonymous wrote:
I just did it the other day - I combined my Amazon.com and Freedom card. Call their credit consolidation department at 800.219.0015 - you shouldn't have any problems... Good luck!

Just wondering, was it a hard pull? Did they let you choose which card to keep?

Re: Combining Credit Limits (Chase)

Anonymous — Thu, 17 Feb 2011 13:13:45 GMT

No hard pull or anything - they just ask which card you would like keep and you're done. The only caveat is that you can't have a balance on the card you are getting rid of - they will not transfer the balance to the other card only combine the CL's and cancel out the card you don't want.

Re: Combining Credit Limits (Chase)

OnTheRebound — Fri, 18 Feb 2011 22:04:44 GMT

Glad I stumbled on this thread.

My wife has a Chase Freedom (Former Providian,WAMU), opened in 2000, $8014 CL and a Chase Platinum Visa (Former WAMU), opened in 2007, $3500 CL.

We rotate between The Freedom and PenFed Cash Visa for the rewards. PIF every month. This is working very well for us and I'm happy. However, the Chase Platinum is useless for us, having to maintain it, charging a $6.00 car wash every 2-3 months. I wanted to get rid of it for a long time but didn't want to loose the CL. Then I read this thread about them combining cards. I called this morning and the very nice lady checked and said sure no problem. But she said she could only transfer 3K out of the 3.5K. I said that was fine.

Now I got rid of a useless card and got a CLI on a very useful account, Chase Freedom, $11014.00.00 CL. I'm a happy camper

Thanks to all the knowledgeable people on this forum, I am now a much more informed consumer of credit.

Just ten years ago, I don't think I knew what a FICO score was. And if I did, I didn't care.

Thanks all!

Equifax- 710

Transunion-754

Re: Combining Credit Limits (Chase)

Anonymous — Fri, 18 Feb 2011 23:45:50 GMT

Congrats OTR, glad it worked out for you!!!

Re: Combining Credit Limits (Chase)

Anonymous — Mon, 21 Feb 2011 02:54:28 GMT

@Anonymous wrote:
I have 2 chase cards, and I think it makes more sense to just have 1 to focus spend to maximize on rewards. Anyways, anyone have issues doing this before? Seems like a simple combination of both limits onto one card.

My case is different.

* I have Freedom VISA and Freedom World MC (it was simple Freedom MC, one day, Chase PC'd without asking me).

* The rep told me it must be same VISA or MC to combine.

* Also they look at rewards program and APR too.

Re: Combining Credit Limits (Chase)

Anonymous — Mon, 21 Feb 2011 05:10:59 GMT

Interesting, I wonder if it has to do with the types of limits? In my case I would want to take a visa signature limit to a world mastercard, but I believe both are "flex limits" or whatever they are called.

Re: Combining Credit Limits (Chase)

maiden_girl — Thu, 25 Oct 2012 21:17:32 GMT

Resurrecting this thread from 2011.

If anyone knows how long you must have the two cards you are trying to combine before calling to combine the cards? I would like to combine my Chase Freedom and Chase Amazon and keep my Freedom card.

Re: Combining Credit Limits (Chase)

swpopham — Thu, 25 Oct 2012 21:23:13 GMT

there is no set time frame, they wouldnt give me a cli so i opened a new card and activated the card. Called and transfered the limit over. They dont want to see pending authorizations or usage for 30 days though

Re: Combining Credit Limits (Chase)

Anonymous — Thu, 25 Oct 2012 21:51:03 GMT

I just moved some of the limit from my Chase Amazon Visa to my Slate last night. It was a simple process, just a phone call. I would have had to leave a minimum limit of $500 on the Amazon in order to keep it open, which wasn't an issue, since I was leaving more than that.

Re: Combining Credit Limits (Chase)

GeneralCucumbre — Thu, 25 Oct 2012 21:51:59 GMT

I LITERALLY JUST DID THIS about 30 minutes ago. I just closed a Freedom Visa today that I opened up a few months ago. I called up today after the payment had posted and the account had a $0 balance. I transferred all of the credit limit over from the Freedom to my Sapphire and closed out the Freedom...it took no longer than about 5 minutes, very friendly customer service. And also, the card doesn't have to be inactive for 30 days, it just has to have a $0 balance (so that they can close it out and transfer all of the limit). I can verify this because I used my Chase Freedom like last week.

Re: Combining Credit Limits (Chase)

maiden_girl — Thu, 25 Oct 2012 21:58:09 GMT

@GeneralCucumbre wrote:
I LITERALLY JUST DID THIS about 30 minutes ago. I just closed a Freedom Visa today that I opened up a few months ago. I called up today after the payment had posted and the account had a $0 balance. I transferred all of the credit limit over from the Freedom to my Sapphire and closed out the Freedom...it took no longer than about 5 minutes, very friendly customer service. And also, the card doesn't have to be inactive for 30 days, it just has to have a $0 balance (so that they can close it out and transfer all of the limit). I can verify this because I used my Chase Freedom like last week.

I JUST did this a few minutes ago as well once I got the OK that you could do it! They had no problem moving my credit line over despite the fact that my accounts were only a few weeks old! This is soo much better than having the two cards and trying to keep up with them. And now I have more than a generous limit from Chase! Thank you Chase!!

Re: Combining Credit Limits (Chase)

KS13 — Fri, 01 Mar 2013 23:05:13 GMT

Just got credit moved from Freedom account to Sapphire Preferred