post on reallocating transferring credit limits

Mar 18, 2025 |

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Reallocating / Transferring Credit Limits – Who Allows And Who Does Not. 2025 Update

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Amex Bank of America Barclays Capital One Chase Citi Discover US Bank Wells Fargo

For some people, it’s more practical to have one credit card with a high credit limit as opposed to having a few credit cards from the same issuer, with all of them having smaller credit limits.

Sometimes, reallocating credit limits can be a great tool. It can help you get more available credit on a card that has an intro 0% APR offer, and give you much more available money to borrow interest-free.

Here in this post, we will go through the list of major credit card issuers and their policies on reallocating / transferring credit limits.

Amex

You can reallocate credit limits from personal to personal, business to business, and from personal to business cards. You cannot transfer from business to personal.
Reallocating can be done on the phone or online. Here is a step-by-step guide for how to reallocate your credit limits online:

1. Click on Account Services

2. Click on Payments & Credit Options

3. Click on Transfer Available Credit To Another Card

You cannot reallocate your credit limits more than once in 30 days.
Reallocating credit limits with Amex will only result in a soft credit pull.
If you want to leave the old card open (the one that you are transferring the credit limit from) then you need to leave over a min of $1,000 credit limit on that card.

Bank of America

You can reallocate credit limits from personal to personal or from business to business.
Reallocating credit limits will only result in a soft credit pull

Barclays

You can reallocate credit limits from personal to personal, business to business, and personal to business. More recent data points suggest that you cannot transfer from business to personal.
To reallocate balances with Barclays, you need to speak to the Credit Analyst Department.
Reallocating credit limits will only result in a soft credit pull.

Capital One

Capital One is slowly introducing the ability to reallocate credit limits. Those accounts that are already eligible can reallocate credit limits by phone or online (Login / Services / Request account combination).

Chase

You can reallocate credit limits from personal to personal or from business to business.
Reallocating credit limits will result in a soft pull.

Citi

Most report not being successful reallocating credit limits with Citi bank; some suggest talking to a supervisor or asking to be transferred to the Credit Analyst Department.
Both cards will need to be open for six months.
Citi will do a hard inquiry when reallocating credit limits

Discover

Discover mostly does not allow reallocating credit limits, but it can be done through first requesting a credit limit increase. After being approved, ask to speak to the Credit Operation Department to reallocate the credit limits. For whatever reason, once you get approved for a credit limit increase, reallocating credit limits becomes possible.

US Bank

Most report not being successful reallocating credit limits with US Bank; some suggest talking to a supervisor.

Wells Fargo

You can reallocate credit limits.
Reallocating credit limits will result in a soft pull.

Frequently asked questions

I tried to transfer limits between my Amex cards but it got declined since my card I'm transferring from will fall below the eligible limit. What's the eligible limit?

If you want to keep both cards open, you need to leave over a minimum of $1,000

The bank lowered my credit limit on a personal card. I'm afraid my credit score will take a hit. Is there anything I can do to help my credit?

The fact that your credit limit was lowered does not affect your credit score. Just make sure you keep utilization on the card below 9%

I need to close my US Bank Platinum card. Will I lose the credit line on the card?

Before closing a credit card, transfer the credit limit to a different card within the same bank, so that you don't lower your total available credit

I tried transferring a credit limit on an Amex card and it got declined. What can be the reason?

You can only transfer limits once in 30 days, and you need to leave over a minimum of $1,000 on the card you're transferring from (unless you close that card). If one of these conditions are not met then it will get declined

Does Chase still pull credit for a credit limit increase?

Can I transfer my credit limit from a Chase personal card to a Chase business card?

No. Only personal to personal or business to business

Can I transfer a credit limit from my partner who has a credit card on the same business?

Does Citi allow moving credit limits between cards?

Does Barclays allow you to transfer credit lines from one card to the next?

Yes

Does income on the application make a difference on the credit limit approved?

It's not the only thing they look at but it's definitely one of them. The higher income you have the better

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

12 Comments

Real W 6 years ago

I personally transferred big chunk of Barclay JB Personel to Barclay JB Business less then a year ago

3 likes Reply

Sam 6 years ago

Thanks. Will update post

0 like Reply

Tzvitheboss 5 years ago

Great article

0 like Reply

Sam 5 years ago

Thanks!

0 like Reply

Yitzchok Yacov Klitnick 2 years ago

chase sometimes have a limit on who much you could reallocate

0 like Reply
mordy 1 year ago

I tried to transfer credit from my personal to business but they wouldn’t allow.

0 like Reply

Sam 1 year ago

Which bank?

0 like Reply

mordy 1 year ago

American Express

0 like Reply

Shmily 1 year ago

Can I transfer from a american express old business card to a new business card that I just opened?

0 like Reply

Sam 1 year ago

Generally yes. but recently some people reported issues

0 like Reply

Shmily 1 year ago

Thank you
So is it better to wait 30 days from opening new Card or doesn’t make a difference?

0 like Reply

s 1 year ago

I I just tried to relocate my credit limit on my Amex cards. But interestingly enough the website did not give me that option why is that? Is there anything I can do about that?

1 like Reply

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