General aggregate credit limit question

Old May 14, 2024, 8:11 pm
  #1  
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Join Date: Apr 2007
Posts: 577
General aggregate credit limit question

My total Citi credit limit across 3 AA cards is in excess of $50K and income is ~ $120K. I want to apply for the Simplicity Card to get the Balance Transfer offer. I remember sometime back Citi did not allow moving unused availability from one card to the other. If that is still the case, should I close one of the cards and reduce the CL on the others so I can get a decent credit limit on the Simplicity? Is that how it works with Citi? ... And how long will it take for their systems to recognize the lower limits? Or should I just apply and then ask to move the CL around if they have started allowing that now?
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Old May 20, 2024, 6:44 am
  #2  
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Guess I could reduce the CLs on the existing cards.
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