Originally Posted by
sdsearch
I would be careful about making any changes to an existing card with another bank. First of all, I'm not ever sure that that's what Citi is complaining about. Most likely they mean the credit you have with them.
Second of all, it can take them a month or so (reporting agency lags) before Citi will be able to see the change on your Chase card. By then, it's probably too late for a "reconsider" on the current app, and you'll have to wait 60 days to do a new app, by which time (unless it's extended) the 75k offer will either just be over or be almost over, depending on when Citi thinks you made this app.
Third, a change to your Chase card, even if it's to lower the credit limit, could generate a pull. (Depending on what else you've done, that may or may not be signficant.)
You didn't mention how much credit limit you can spare on your Citi Gold card, but that's likely the only place you can reduce that would help your new app that's already in process.
Where did you get this notion?
I lowered Chase credit lines all the time and NEVER see any hard pull resulting from that. Chase has a habit to hand out HUGE credit line on the first application therefore leaves no room for subsequent application for other cards.
The only issue is once you lower it, you cannot get it back until X months have passed - in the old days this is not even the case for Chase would call and literally beg me to take the line back on, even put on a different card.
It is the credit line with Citi being the maximum Citi considers can grant the OP. It depends on if Citi current policy allows it takes credit line from other cards to approve the AA cards. Based on reported data points, this has been allowed with some Citi cards.