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Chase Credit Line Consolidation

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Schwartzinator
Frequent Contributor

Chase Credit Line Consolidation

It's been 49 months since I last got a Sapphire SUB. Thinking of taking advantage of the current 80K offer, but want to know if Chase is still allowing you to close out and combine card limits?


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CreditCuriosity
Moderator Emeritus

Re: Chase Credit Line Consolidation

yes chase allows you to move limits.. might need to leave 500 or something, but limit reallocation is certainly allowed.  obviously if want another saphire bonus need another card aka freedom or whatever to move limit to.

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Gunnerboy
Frequent Contributor

Re: Chase Credit Line Consolidation

When I closed my CSP and moved the limit to my Amazon, Chase said I had to leave behind $1,095(Smiley Mad)



"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
Message 3 of 4
Aim_High
Super Contributor

Re: Chase Credit Line Consolidation


@Gunnerboy:

When I closed my CSP and moved the limit to my Amazon, Chase said I had to leave behind $1,095(Smiley Mad)


Yes you can do that @Schwartzinator. Probably the easiest way to do it is product change your CSR to a Freedom product. Then you should be able to reapply for CSR since you met the 48-month restriction, as long as you are under 5/24. 

@Gunnerboy, I have two tips about combining limits which would have taken care of that $1,095. First, no activity on the card at all for at least six months. That includes the AF posting as well as charges or payments. Second, call to close before the AF posts. I ran into the same thing on my Marriott card which I plan to close. They wanted to transfer $8,905 to my CSR. LMAO 🤣 ... would have driven my OCD nuts. The AF had posted like yours so they held back the balance due $95 + $1K against the current CL of $10K.  I think the CSR was a little annoyed when I backed out but I paid the AF and left it open for another six months. I've closed two other cards recently and been able to move 100% of credit limit by using that method. 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0 - SYCH - 65.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
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