OK! So Barclays is a funny bunny!!
I was really trying to not having to call in, but that ended up being the situation. I complained on FB, and they wrote back and asked for our phone number. Gave them the number they called within the hour. Spoke with a credit analyst. Here is the thing:
SM had 7k credit line
Arrival had 7k credit line
I was asking to move 6500 of Arrival to SM to leave the 500 on the Arrival to close the account. That would have made the SM credit line 13,500.
While going over everything with the analyst she said: "ok, so you have 7k on the SM, and 7k on the Arrival. We're going to move the 7k on the Arrival over to the SM to make that 14k" 
OK. So she read her disclosure and said the new credit line on the SM was 14k.
I went just now and checked. There is still a 500 credit limit on the Arrival, and it is closed. I checked the SM, and the credit line is 14k. So instead of taking the $500 off of my husband's current credit line they ADDED $500 to close the card and just moved the ENTIRE LINE over.
I'll take that! I know it's only $500, but thought it was so odd!! Works for me, either way. Barclays is back in my good grace. 
@barbaralee wrote:OK! So Barclays is a funny bunny!!
I was really trying to not having to call in, but that ended up being the situation. I complained on FB, and they wrote back and asked for our phone number. Gave them the number they called within the hour. Spoke with a credit analyst. Here is the thing:
SM had 7k credit line
Arrival had 7k credit line
I was asking to move 6500 of Arrival to SM to leave the 500 on the Arrival to close the account. That would have made the SM credit line 13,500.
While going over everything with the analyst she said: "ok, so you have 7k on the SM, and 7k on the Arrival. We're going to move the 7k on the Arrival over to the SM to make that 14k"
OK. So she read her disclosure and said the new credit line on the SM was 14k.
I went just now and checked. There is still a 500 credit limit on the Arrival, and it is closed. I checked the SM, and the credit line is 14k. So instead of taking the $500 off of my husband's current credit line they ADDED $500 to close the card and just moved the ENTIRE LINE over.
I'll take that! I know it's only $500, but thought it was so odd!! Works for me, either way. Barclays is back in my good grace.
If you had a previous balance on the card that is being closed or consolidated from (within 30 days - much like Chase CL consolidations) then part of the CL can be allocated, except the last $500. But they can make exceptions within the 30-day rule, so yes the entire CL can be allocated but for some quirky reason $500 would remain on the "donor" CC.
@Ragelog wrote:
Looks like this is a business decision by Barclays due to laws in the ICCC (Iowa Consumer Credit Code) that they deem are too favorable or just in protest of the state's individual code capping/limiting them in certain areas. Main areas seem that they can't charge more than $15 for a late payment fee or I believe assess a penalty APR. So based on these rules that most states don't have they have chosed to not do business in Iowa for now.
Thanks for the info. I took a look at the code in question and you're right, the $15 max late fee is there. Wow you learn something new every day. I used to pay a helluva lot more than that. I don't really want to try it out now and see. And according to the ICCC the penalty APR is allowed to apply only to new charges, not existing balances, but I thought that was legislated on a national level a couple years back? For universal default at least. I haven't kept up with the laws on penalties as in my old age I find it simpler to just avoid them.
@core wrote:
@Ragelog wrote:
Looks like this is a business decision by Barclays due to laws in the ICCC (Iowa Consumer Credit Code) that they deem are too favorable or just in protest of the state's individual code capping/limiting them in certain areas. Main areas seem that they can't charge more than $15 for a late payment fee or I believe assess a penalty APR. So based on these rules that most states don't have they have chosed to not do business in Iowa for now.Thanks for the info. I took a look at the code in question and you're right, the $15 max late fee is there. Wow you learn something new every day. I used to pay a helluva lot more than that. I don't really want to try it out now and see. And according to the ICCC the penalty APR is allowed to apply only to new charges, not existing balances, but I thought that was legislated on a national level a couple years back? For universal default at least. I haven't kept up with the laws on penalties as in my old age I find it simpler to just avoid them.
Universal default was easily the worst of the terms that existed just a few years ago.