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What companies combine card limits?

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Regular Contributor

What companies combine card limits?

I have multiple cards from some of the major issuers and was thinking I'd try to transfer the limit to one card and close the other.  What companies do this, and how long should the cards be open before doing so?

| Amex BCP | BoA Cash Rewards | Cap1 QS | Cap1 SavorOne | Chase Freedom | Chase Sapphire Preferred | Citi DC | Citi Simplicity | Discover It Cash Back | JCrew | USB Cash+ | Target (AU) |
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Established Contributor

Re: What companies combine card limits?

Chase, Amex & Barclay do this easily. Citi and us bank is a ymmv situation .

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Thank You Premier 52K | EDP 52k | Bank of America BBR 57.9k
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Valued Contributor

Re: What companies combine card limits?

Just an FYI, Chase did a HP on my TU when I moved my CL around...

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K), PenFed PCR ($3500), Bank of the West CB MC ($3K)
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Valued Contributor

Re: What companies combine card limits?

In  addition to the posts above, Cap 1 used to combine limits. However, it seems that option is not available right now. People have been told by CSRs that the feature will return. But unless things have chnaged recently, there is no definitive date as to if and when it will happen. 

"Hover mouse over cards to see CL and APR info"


Message 4 of 16
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Moderator

Re: What companies combine card limits?

I’ve moved limits with Chase (no HP), Amex, and Bank of America without issue.  Have never tried with Citi as they’re usually very generous with me anyway.  I’ve read on this here forum of Discover allowing such but I think there are some requirements that have to be met.  As far as credit unions I’ve been able to move limits around with PenFed and while I’ve never moved any Navy limits around I’ve recently read around these here parts that you can combine with them as well.  

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Super Contributor

Re: What companies combine card limits?

Citi required a HP via EO for me, and the account must be at least 12 months old that you are moving it from, I was told.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 6 of 16
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Frequent Contributor

What banks allow & dont Credit Line consolidating

I rather just take too cards from one lender & combine into one but i need too no who allows this 



Message 7 of 16
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Epic Contributor

Re: What companies combine card limits?

Discover allows, i have moved 25k with chase no HP.

EDIT: Discover has to be open 90 Days.

 

Not sure on Chase.

 

I have asked at Citibank, NO! HUCA NO!, HUCA NO!

Citi Will do a product change @ 1year. certain conditions apply.

popcorn eating emoticon.gif

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Super Contributor

Re: What companies combine card limits?

Doesn’t Disco require the receiving card to be eligible for a CLI or is that just for a partial reallocation?

NFCU will let you reallocate limits but they don’t like people closing a card and combining the full limit with another one — your success in getting that done is YMMV.



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Super Contributor

Re: What companies combine card limits?

I told you I did it with Citibank successfully through the executive office but it requires a hard pull @ Equifax. And it requires the account be more than a year old that you’re pulling the limit from, that you’re reallocating from.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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