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Citi card credit line reallocation / reduction [Consolidated]

Citi card credit line reallocation / reduction [Consolidated]

Old Jan 16, 13, 9:44 am
  #1  
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Citi card credit line reallocation / reduction [Consolidated]

I had a 40k credit line on my Citi AA Executive card, renewal came up last month, annual fee due this month. Also have a Citi HHonors card with 10k credit line. Called in to request credit line transfer from AA Executive to HHonors card. The rep took some personal info then said it'd take 2 business days to process. The first time, they only moved 10k credit line over to the HHonors card. Called in again and then waited for another two days, still no more movement. Called in to cancel the AA card right before the renewal annual fee due day, the rep said the credit line transfer is still pending. I said that's fine, just cancel the card. The next day when I checked my online profile again, my HHonors card now has a credit line of 50k, and my AA card was successfully closed.

So reallocation of credit line is also possible on Citi cards. Cheers!
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Old Jan 16, 13, 10:31 am
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Thanks for the info. You would think this is something they could do in real time. Wonder why the delay.
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Old Jan 16, 13, 2:08 pm
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Originally Posted by texasguy77 View Post
Thanks for the info. You would think this is something they could do in real time. Wonder why the delay.
"They" is a complex organization. You are talking to a customer service agent. That agent can't do it in real time (the computer termiinal they're on doesn't authorize it*). They have to forward the request to someone with authority to do such transfers. That person may only check those request a couple times a week or whatever (it may not be their primary job responsiblity). Or maybe it needs sign-offs from multiple people?

Be glad that they can do it, and don't look a gift horse in the mouth and complain that it doesn't bit fast enough.

(*I was recently on a chat with someone or other regarding a new card approval. They were able to move CL around to approve the card, but they couldn't move any other CL around, nor could they close a card. It was obvious to me that the system they were on authorized them to do only those things needed as part of the card approval process and nothing else.)

These are not high-ranking credit experts you are talking to (when you as a credit card user call Citi). They are people who are running "scripts" which only let them do a limited number of things directly, and put in "requests" for everything else (often to someone in a compeltely different department).
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Old Jan 17, 13, 8:49 am
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When I went to close my Citi AA World Elite card the CSR told me that he can't transfer my credit line to another card. He said sometimes it is an option available to him on his screen and sometimes it is not. I escalated the issue to a supervisor and he too was unable to do so. He told me if I open another card they can transfer it there. I tried again on another day with another CSR and got the same story.
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Old Jan 17, 13, 11:31 am
  #5  
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Originally Posted by sdsearch View Post
"They" is a complex organization. You are talking to a customer service agent. That agent can't do it in real time (the computer termiinal they're on doesn't authorize it*). They have to forward the request to someone with authority to do such transfers. That person may only check those request a couple times a week or whatever (it may not be their primary job responsiblity). Or maybe it needs sign-offs from multiple people?

Be glad that they can do it, and don't look a gift horse in the mouth and complain that it doesn't bit fast enough.

(*I was recently on a chat with someone or other regarding a new card approval. They were able to move CL around to approve the card, but they couldn't move any other CL around, nor could they close a card. It was obvious to me that the system they were on authorized them to do only those things needed as part of the card approval process and nothing else.)

These are not high-ranking credit experts you are talking to (when you as a credit card user call Citi). They are people who are running "scripts" which only let them do a limited number of things directly, and put in "requests" for everything else (often to someone in a compeltely different department).
My experiences as well.

The "lending dept" folks have the most power, followed by the credit specialists at card opening, and the front line CSRs tend to always have to send a request which of course lands at a different dept hence the delay in process.

In the old days the front line CSRs could do it and the process was almost real time or only a 10 minutes delay. Those days are long gone (even before the onset of 2008 financial crisis.)
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Old Jan 17, 13, 11:33 am
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Originally Posted by StevenH123 View Post
When I went to close my Citi AA World Elite card the CSR told me that he can't transfer my credit line to another card. He said sometimes it is an option available to him on his screen and sometimes it is not. I escalated the issue to a supervisor and he too was unable to do so. He told me if I open another card they can transfer it there. I tried again on another day with another CSR and got the same story.
They are telling you the truth. When the system does not show them such option, the only way is to go thru the Lending Dept which sometimes would pull a hard inquiry on you and not even informing you so. This has happened to one friend. So be wary if you decide to pursuit the re-allocation.
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Old Jan 17, 13, 2:43 pm
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I just called to reallocate and apparently a card has to be open 6 months. I have to wait 1 more month before I can do it. I'm going to transfer a bunch of AA Card Credit to another Citicard I have before canceling the AA Credit Card.
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Old Jan 28, 13, 3:52 pm
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I just got off the phone with a Citi supervisor. He was willing to do the credit line transfer on the spot but confirmed that Citi would pull my credit report. I just closed the account with all of its $15k credit line.
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Old Jan 28, 13, 4:28 pm
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The AA card and the Hilton card are issued by two different entities within Citigroup. That could be one reason for the time delay
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Old Jan 29, 13, 12:38 pm
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Originally Posted by Redhead View Post
The AA card and the Hilton card are issued by two different entities within Citigroup. That could be one reason for the time delay
I recently (a few weeks ago) applied for a "linked" AA Amex (invite app), and the app wasn't approved immediately but I got immediately invited to a chat online. The CSR I was chatting with was able to move CL among any of my Citigroup entity cards (AT&T Universal was what she offered, but I chose HH instead). And that move (upon a card opening) was instant.

I think therefore the delay has nothing to do with that, but simply has to do with a Citi "clock" that says you can only do CL moves every so often. (And CL moves done as part of card apps restart that clock apprently.)
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Old Mar 19, 14, 9:52 pm
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Called Citi to move some credit from other cards to my new Exec card. Agent started asking for personal info. I stopped him and asked if a hard pull will be made, to which he said maybe. I thanked him and hung up. Reading this thread, it seems to be the standard practice rather than something you can HUCA.

This seems dumb considering Chase agents can do it at will (IIRC).

Last edited by italdesign; Mar 19, 14 at 10:26 pm
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Old Mar 20, 14, 3:00 pm
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I also called Citi earlier this week trying to move CL from an AA Mastercard to a Hilton Visa card and no luck. Was asked if I wanted to request a credit limit increase (= hard pull) and I declined. Stuck living with the low limit on the card making MS'ing more annoying.
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Old Mar 20, 14, 9:08 pm
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Originally Posted by jjakobv84 View Post
I also called Citi earlier this week trying to move CL from an AA Mastercard to a Hilton Visa card and no luck. Was asked if I wanted to request a credit limit increase (= hard pull) and I declined. Stuck living with the low limit on the card making MS'ing more annoying.
Why in the world are you MSing an existing Hilton Visa card, when as often as every 35 days you can apply for a new one (without even having to cancel the previous one) and get 50k each time for $1000 of spend! See here:

http://www.flyertalk.com/forum/credi...nors-visa.html

(Start with the Wikipost at the top of the thread -- click on the "+" at the right if it's not expanded automatically -- then read the last few, ie most recent, pages of that thread.)

If the offer you apply for is $1000 spend required, that's 50 HH points per dollar spent. How much MSing on your existing card do you have to do to get 50000 HH points? Is it even practical to do in 35 days (which $1000 surely is)?

And, btw, it's when you apply for a new CIti card that Citi is most likely to let you move credit around (from an existing card to that new card).


Please note: 35 days is the average theoretical maximum, and assumes you are not applying for much else in the way of credit cards, since Citi limts most people to about 6 inquires in the last 6 months (on the bureau they pull), so if you do a Citi card every 35 days it's risky to apply for other stuff too. But if you slow it down a bit, say every 2 to 3 months, then you can apply for several other cards each year no problem.

Last edited by sdsearch; Mar 20, 14 at 9:14 pm
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Old Apr 16, 14, 11:50 am
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Just called to try to close my HH Signature and reallocate credit to my HH Res, which I am using to try to hit the $40k for diamond and thus want the additional credit there.

The rep was very clear that reallocation is not possible "at this time" and that they used to be able to do it without a problem but cannot any longer.

Unfortunately, when given the option to reallocate when I opened the Reserve I chose to split the credit fairly evenly among the cards that I have, assuming I could always call back and reallocate.

The rep did add a $1k spend / 5k bonus on the card - but I'm not even sure that's worth it.

I'll try back in a few months.
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Old Apr 16, 14, 12:12 pm
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I'm having the same experience lots of others are. Wanted to close my AA Signature Platinum. Called to see if I could transfer my credit line to one of my new Executive cards before closing it. I was told that I could, but they would have to pull my credit report. Seeing what others have reported, I think I'll forego the HUCA and just cancel.
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