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Is Chase still allowing limit reallocation?

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K-in-Boston
Epic Contributor

Re: Is Chase still allowing limit reallocation?


@Anonymous wrote:

I just tried to consolidate the credit limit on my Slate ($500) with my Freedom and close the Slate account. I was told from customer service that they could not move the credit limit over though they could close the account. And evidently, there is no way to override the computer system. Any thoughts?


That is correct.  It is very rare for Chase to allow cardholders to move the final $500 (or sometimes $1000) of a credit line when closing a card.

Message 11 of 20
RSX
Valued Contributor

Re: Is Chase still allowing limit reallocation?

I called this past Monday to PC from United Mileage Plus to United Club Infinite

i then moved $3300 from my Amazon to the Club card. 

so it is definitely still available

 

they do have reduced hours. I had to call before 3pm MST. I think they are 9-5 EST for now. 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 12 of 20
randomguy1
Valued Contributor

Re: Is Chase still allowing limit reallocation?


@K-in-Boston wrote:

@Anonymous wrote:

I just tried to consolidate the credit limit on my Slate ($500) with my Freedom and close the Slate account. I was told from customer service that they could not move the credit limit over though they could close the account. And evidently, there is no way to override the computer system. Any thoughts?


That is correct.  It is very rare for Chase to allow cardholders to move the final $500 (or sometimes $1000) of a credit line when closing a card.


This is basically the crux of the issue.

 

If you had a large CL on that card, you could probably move it provided you do not go under thet base minimum for each particular card. You are getting denied because that card requires a minimum.

Message 13 of 20
Anonymous
Not applicable

Re: Is Chase still allowing limit reallocation?

Well, that's super frustrating. The only reason I was hanging on to the Slate was for the free Experian credit score. I guess I might as well keep it and ignore it.

Message 14 of 20
K-in-Boston
Epic Contributor

Re: Is Chase still allowing limit reallocation?


@Anonymous wrote:

Well, that's super frustrating. The only reason I was hanging on to the Slate was for the free Experian credit score. I guess I might as well keep it and ignore it.


You can still get a free monthly EX FICO 8 score both from Experian and from creditscorecard.com

Message 15 of 20
PandaGirl77
Regular Contributor

Re: Is Chase still allowing limit reallocation?


@randomguy1 wrote:

@K-in-Boston wrote:

@Anonymous wrote:

I just tried to consolidate the credit limit on my Slate ($500) with my Freedom and close the Slate account. I was told from customer service that they could not move the credit limit over though they could close the account. And evidently, there is no way to override the computer system. Any thoughts?


That is correct.  It is very rare for Chase to allow cardholders to move the final $500 (or sometimes $1000) of a credit line when closing a card.


This is basically the crux of the issue.

 

If you had a large CL on that card, you could probably move it provided you do not go under thet base minimum for each particular card. You are getting denied because that card requires a minimum.


@Anonymous  @icednightpaper  the lack of consistency with these responses from CCCs is frustrating! I did have good experience with Chase within the last week though.  I called and talked to a rep. She moved 4800 from Slate onto a Freedom Preferred with 3500, new CL 8300 on Freedom and closed the Slate. Whatever the date on my Freedom is in my signature, the Slate was a year younger.  









Message 16 of 20
SunriseEarth
Moderator Emeritus

Re: Is Chase still allowing limit reallocation?

A few weeks ago, I was to reallocate from my Chase AARP to my Disney Visa through SM.



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Wayfair MC $9500 | Sephora VS $9400 | ~~
Message 17 of 20
Anonymous
Not applicable

Re: Is Chase still allowing limit reallocation?


@K-in-Boston wrote:

Certainly worth trying a call, then.  I don't want to derail this into a Decline of Sapphire Customer Service discussion, but I do find it quite strange that you would get a notification that they are closed and CS is not available 24 hours.  When I first got my CSP in 2017, dialing the number on the back of the card would result in one ring and then "Thank you for calling Chase, am I speaking with Mr.  _____?"  By the time I changed to CSR in 2018, it switched to a phone tree and then hold times.  I called a few months back at about 2 AM Eastern, getting out of bed after I realized that I had just made a points transfer to my Marriott account but never changed my Marriott account number in the UR portal after the SPG/Marriott merger. Fortunately the points still made it there, as any activity to the old account number automatically moves to the newer one.  But even at that late hour, I was still able to contact them.


Com'mon "K" ... it is about $99 AF versus $550 AF ... want WOW cough up some change Smiley Very Happy

Message 18 of 20
icednightpaper
Regular Contributor

Re: Is Chase still allowing limit reallocation?

Forgot about this thread, but I have an update:

I was unable to do over SM, I had to call fpr my own cards. It went fine. For my HH member: turns out Chase had their SSN recorded incorrectly for their CFU compared to the CSP, so frontline reps did not see them as primary. We had to escalate to another department (or something like that) to get someone who dug deeper for us. The new rep fixed it even though that CFU is 11 years old, and then they were able to reallocate as they wished. This was on the Sapphire line too so a bit of a headache but ultimately the desired result was achieved.

Message 19 of 20
K-in-Boston
Epic Contributor

Re: Is Chase still allowing limit reallocation?


@Anonymous wrote:

@K-in-Boston wrote:

Certainly worth trying a call, then.  I don't want to derail this into a Decline of Sapphire Customer Service discussion, but I do find it quite strange that you would get a notification that they are closed and CS is not available 24 hours.  When I first got my CSP in 2017, dialing the number on the back of the card would result in one ring and then "Thank you for calling Chase, am I speaking with Mr.  _____?"  By the time I changed to CSR in 2018, it switched to a phone tree and then hold times.  I called a few months back at about 2 AM Eastern, getting out of bed after I realized that I had just made a points transfer to my Marriott account but never changed my Marriott account number in the UR portal after the SPG/Marriott merger. Fortunately the points still made it there, as any activity to the old account number automatically moves to the newer one.  But even at that late hour, I was still able to contact them.


Com'mon "K" ... it is about $99 AF versus $550 AF ... want WOW cough up some change Smiley Very Happy


The "wow" disappeared after I upgraded to CSR.

Message 20 of 20
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