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Does Citi not consolidate CLs?

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Anonymous
Not applicable

Does Citi not consolidate CLs?

I want to close my Citi AAdvantage card because the AF is about to hit and I don't use it. I called to cancel and to shift my CL over to my Double Cash and they said they don't do that. Maybe because it's a Sunday night and late? Does Citi combine lines? I thought they did.

 

Thanks.

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Does Citi not consolidate CLs?


@Anonymous wrote:

I want to close my Citi AAdvantage card because the AF is about to hit and I don't use it. I called to cancel and to shift my CL over to my Double Cash and they said they don't do that. Maybe because it's a Sunday night and late? Does Citi combine lines? I thought they did.

 

Thanks.


They do but often you have to get a supervisory CSR and it will be an HP to do so.

Message 2 of 12
Anonymous
Not applicable

Re: Does Citi not consolidate CLs?


@Anonymous wrote:

@Anonymous wrote:

I want to close my Citi AAdvantage card because the AF is about to hit and I don't use it. I called to cancel and to shift my CL over to my Double Cash and they said they don't do that. Maybe because it's a Sunday night and late? Does Citi combine lines? I thought they did.

 

Thanks.


They do but often you have to get a supervisory CSR and it will be an HP to do so.


Thanks. I won't take a HP though, so I might as well just close it.

Message 3 of 12
red259
Super Contributor

Re: Does Citi not consolidate CLs?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

I want to close my Citi AAdvantage card because the AF is about to hit and I don't use it. I called to cancel and to shift my CL over to my Double Cash and they said they don't do that. Maybe because it's a Sunday night and late? Does Citi combine lines? I thought they did.

 

Thanks.


They do but often you have to get a supervisory CSR and it will be an HP to do so.


Thanks. I won't take a HP though, so I might as well just close it.


Yea, I wouldn't take a HP to combine credit lines either. You can call in and see if they will give you a retention offer to offset the AF. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 4 of 12
jason86423
Frequent Contributor

Re: Does Citi not consolidate CLs?

If you want to avoid the AF, PC to a thank you card or another double cash.  No hard pull

 

 

Or as another poster stated, ask for a retention offer.  I've had them offset the entire annual fee in the past after a certain spend in 90 days.

 

 

Message 5 of 12
red259
Super Contributor

Re: Does Citi not consolidate CLs?


@jason86423 wrote:

If you want to avoid the AF, PC to a thank you card or another double cash.  No hard pull

 

 

Or as another poster stated, ask for a retention offer.  I've had them offset the entire annual fee in the past after a certain spend in 90 days.

 

 


+1 PC is another option if there is a card you want and don't mind about missing out on the signup. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 6 of 12
MJ-san
Frequent Contributor

Re: Does Citi not consolidate CLs?

There is a Bronze card - no AF and only earns 1/2 of the miles, but it may be a solution for you - you can PC w/o a HP.

Message 7 of 12
Anonymous
Not applicable

Re: Does Citi not consolidate CLs?


@MJ-san wrote:

There is a Bronze card - no AF and only earns 1/2 of the miles, but it may be a solution for you - you can PC w/o a HP.


Perfect! I'll probably do this. Thanks!

Message 8 of 12
Open123
Super Contributor

Re: Does Citi not consolidate CLs?

They do offer CL consolidations without a HP, but not all the time.  Of all the Citi cards I've closed, I was offered to move the CL onto another card without a HP half the time.

Message 9 of 12
icyhot
Valued Contributor

Re: Does Citi not consolidate CLs?

They do consolidations but it's a HP and for the AA card they will leave $2000 on the card. Just PC, that's what I did
Ch 7 BK discharged 12/2018
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Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 10 of 12
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