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Combining Credit Cards

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Frequent Contributor

Combining Credit Cards

Through a comedy of errors I have quite a few Visa cards with USBank.    One is an Altitude and one is a business card, but the other three (sigh, yes three) are all low-limit plain Platinums.  I'd like to combine them into one card with a combined limit (something I've been assured is possible), however there is a caveat.  When I started my credit rebuilding adventure, the two USBank cards were secured and therefore are my oldest accounts.   

 

Anyone have any suggestions on what to do?  If I combine them all into one, that would be a hit to my AAoA, right?  

Message 1 of 5
4 REPLIES 4
Community Leader
Super Contributor

Re: Combining Credit Cards

No, they would still factor into your aaoa for the next 10 years or more.
Message 2 of 5
Established Contributor

Re: Combining Credit Cards

No, you would be OK, combine away.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 3 of 5
Frequent Contributor

Re: Combining Credit Cards

Hopefully you got that in writing or at least the CSRs name who said it was possible to combine. Numerous cards with USB, but I tried last year to combine my two plat cards and was told they do not allow it with any of their issued cards. I was told that by a CSR and also a underwriter.

Amex Cash Mag 10K | Amex ED 20K | Amex BCE 14K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash Fwd 6K | Citi® Diamond Preferred 8.3K | Citi® Simplicity 7.4K | Citi® TY 4.5K | Citi® DC 4K | Cap One QS Visa 14.6K | Discover It 18K | Discover Miles 4.5K | BOA Cash Rew 18K | State Farm Visa 4K | US Bank FlexPerks Select+ AMEX 13K | US Bank Plat 7.5K | US Bank Cash+ 10K | Chase AARP 3.5K | FNBO Rewards 15K | Huntington Voice 6,250K | Huntington Voice Rewards 7.2K | PNC Cash Rewards 7.5K | Fidelity Visa Sig 11K | Target MC 9K | BB&T Spectrum 6.5K | BB&T Spectrum 6.5K | BB&T Cash 6.5K | Wal Mart MC 10K | Ebates Visa 10K | Ebay MC10K | Marvel MC 10K | Paypal Credit 2.250K | Scores 3/2019 EX768; TU780; EQ759
Message 4 of 5
Frequent Contributor

Re: Combining Credit Cards

Hmm, well what they did (I think, I will go into a branch and double check) is they closed down some of the accounts and then applied for a CLI in the same amount to the one card I kept open, so technically I they were not combined, but the end result is the same.  Maybe phrasing it that way might help?  I also called Cardmember Services for the Altitude Reserve line, which might have helped.

Message 5 of 5