Originally Posted by pinniped

Were they able to confirm that as an option to you before they initiated a hard pull on your credit?

I'm thinking of my situation with Chase: I have 5 current accounts with them (although 3 are pretty dormant), total credit line combined around $90k. I would like a new account with them, for which I'd be happy for them to transfer some of that credit line for the new account or even kill one of the 5 accounts (of my choosing) entirely.

But...they won't do that. Is Citi actually willing to have this kind of real dialogue with you *before* a credit check? I understand they'll still do the hard pull to verify that nothing has changed about you, but I'd want assurances that they will open the new account barring negative marks.

Chase won't even have this kind of meaningful dialogue. They just say "apply and the computer will tell us whether you're accepted."