Originally Posted by
kdersch
In terms of credit utilization - if I have say 10k on a CSR and 10k on a SWA card, can I have the SWA credit transferred to the CSR so my utilization will be less? Or will they only split credit and not combine it?
Your utilization won't budge from what I remember my credit report.
It just added all the available credit and calculated against current reported outstanding balance to calculate the utilization. Not per card.
So, it would be better to downgrade any card but keep the credit vs. closing the account for credit utilization ratio.