So for Citi, I tried to get them to consolidate before I cancelled and the reps all said "we can't do that any more". And maybe even a year ago, they had a way to request a CLI on their website that was automatic, but now that form says they will pull credit reports, so maybe they have changed that policy as well.

So I guess it's call citi, see if any way they will grant it without a hard pull, and cross my fingers that Chase quickly realizes I am spending and paying off $20K a month on a $6K credit limit card and ups the limit on their own.

If I apply for another chase card (I may as well get the United bonus), can I ask for a CLI at the same time so that they only pull once?

Thanks for all the input