@dondk wrote:
My DW and myself just went through this with Cap 1. I went for the combination, they reviewed both cards and gave me the good and bad for each and which one would be my "better" choice. I took the lower APR and no annual fee and combined. my DW got 2 CLI's on the spot (1000 and 750 respectively) and talked about the combination as well. The CSR ran it down and advised her that her one card (from years ago) had a 7.9 APR and that would be the one to stick with. Then went on to say that Cap 1 has a 90 day restriction on these types of activities and strongly suggested that she not combine and wait 90 days and renegotiate then. She took the advice and marked on the calendar to revisit.
Sometimes I wonder if Cap1's right hand knows what the left is doing. Ok, I already know the answer to that.
The CSR suggests you wait 90 days to combine due to a restriction, but the other CLI CSRs push us to app for another card in order to combine and get a higher CL, vs. giving a CLI to the existing card? How many ways does that make one's head want to explode????