Spousal Reallocation?

[SoCalifornia]

Please don't roast me- I have, what feels like, a dumb question.   But, to be fair, I've tried researching to no avail.  Before I straight up contact the lender and certainly embarrass myself, I thought I would ask my experienced peers.  Is allocating one's credit limit to one's spouse's credit card account (amongst same lender) a possibility?  

[FlaDude]

I've never seen this topic come up, but my guess would be no. Maybe there is some lender somewhere that does it, but you'd have to say who you want to try it with and see if anybody has any experience with that particular lender.

[SoCalifornia]

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@FlaDude wrote:

I've never seen this topic come up, but my guess would be no. Maybe there is some lender somewhere that does it, but you'd have to say who you want to try it with and see if anybody has any experience with that particular lender.

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My guess initially, was also no.  But I have seen taboo questions come up before that had relevance.  Discover is the specific lender I'm concerning.  My wife is planning to eventually close her Disco card, and I thought, what a shame it would be to lose credit, if in some cast of light it didn't have to be.

[Anonymous]

Yeah, I don't think it's possible. Although it's the same lender, technically it's two different accounts with two different account holders.

[Anonymous]

The only way they might do it, is if you were joint owners on both accounts. And even then it might take some convincing. 

This was a thing that could happen a very long time ago at local Banks though, if a Husband and Wife were co-account holders. Though the Bank would need signed consent from both parties. 

Also, someone once told me that there are no stupid questions in the persuit of knowledge. Even though it can feel emabarrassing in the moment.

It can't hurt to ask Discover, the worst they can say is no. It seems the school of thought about closing cards is to move that CL to another card to keep it, as if it has any worth at all. If we're talking a large CL I can understand for UT reasons.

[iced]

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@Anonymous wrote:

Yeah, I don't think it's possible. Although it's the same lender, technically it's two different accounts with two different account holders.

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This. From the bank's perspective, the difference between my spouse and some random schlub on the street is ... nothing.

Think of it this way - If you were a bank, what would be your response if one of your customers just up and asked you to re-allocate some of the credit (and risk) extended to them to some other random person?

[Azuieldrago]

Why close the card?

[JeffMO]

'there is no such thing as a stupid question, only stupid answers".  Colin powell😀

In my opinion I really dont think its possible, but you can always call and try for sure, good luck!