hope it doesn't hurt the fico scores. one was 700cl the other was 500cl. i requested to combine them, they sent a letter saying denied. i called, asked for a supervisor right off. she said since one is mc and one is visa and one has 35 annual fee, and terms were diff they couldn't combine.
i said then bump up the limits, she said may involve a hard. i said no way! i'm getting prime issuers (citi, amex) starting me off 4-7 times out the gate and i've been w/you 2 1/2 years, never missed a payment. she said i'm sorry, but there's nothing i can do about the limit or combining them. it's just the way the accounts are set up. i explain that i didn't want to close the accounts, but they didn't seem to be growing with me. she says i understand, but our products aren't designed to do that (wtf!). i explained to her what i thought about a business model that drove away good customers and she asked if i wanted a letter confirming the accounts were closed. i said yes please.
now, did i shoot myself in the fico score?
