First some background. A few years ago I was looking at a way to keep my only relationship with Wells Fargo (Propel World card) alive as I no longer had a use for this particular card. At the time, they told me a PC was impossible and to apply for the card I wanted, then ask for a reallocation. So I applied for a standard Platinum card and got approved for $1,000 at 26.49% APR. After numerous calls and going back and forth, I finally found someone who knew what a reallocation was and since 2015, the card has seen little use and a $9k total limit.
Today I was playing around on the website and naturally I gravitated to the "Manage Credit Limit" tab. It gives two options; Request an increase or request a reallocation. The language alludes to it being a soft pull unless it cannot make a decision for you, when it will be a hard pull. Fortunately I didn't get to that point and my crazy high APR card went from $9,000 limit to $11,300 (I requested $20k so it counters):
Awesome! The fact that it was a SP is even sweeter.
Gardening until September 2025
