By Ben Luthi
Reviewed by Karen AxeltonCan You Transfer Credit Limits Between Credit Cards?
By Ben LuthiReviewed by Karen Axelton
Quick Answer
- If you have more than one credit card with the same card issuer, you may be able to transfer the available credit you have between them.
- You may want to reallocate your credit limit from one card to another if you use one card more, want to reduce credit utilization or are closing a credit card.
- Transferring available credit can typically be done online or by calling customer service, but not all banks allow it.
If you have multiple credit cards with the same bank or card issuer, you may be able to transfer the available credit you have between them. Reallocating your credit limit from one card to another can have several benefits, but it's important to consider your reasons before you call customer service.
What Does It Mean to Transfer Credit Limits?
Transferring or shifting credit limits means that you're moving a portion of your available credit from one card to another with the same financial institution. This is possible because card issuers allocate a certain amount of borrowing power to cardholders, which may or may not be split among several cards. Moving around your credit limits doesn't increase or decrease your overall available credit.
However, that also means you can't transfer a credit limit from a card with one credit card company to a card with another.
Transferring credit limits is different from requesting a credit limit increase or decrease on a card because you're not gaining or losing any available credit. While your limit will go down on the card from which you're transferring available credit, the limit on the other card will increase in equal measure.
As a result, you'll maintain the same total amount of credit with the same bank.
How to Transfer Credit Limits Between Credit Cards
Requesting to shift your available credit from one card to another is a relatively simple process, but details can vary from bank to bank.
With many banks, for instance, you'll need to call the customer service team to request a transfer.
With others, you may be able to transfer your credit limits yourself using the card issuer's website or mobile app. For example, Chase and Capital One allow eligible cardholders to complete the process online or in their apps without needing to contact customer service directly.
It's important to keep in mind, though, that there may be limitations with certain banks, and some banks don't allow you to reallocate available credit at all.
If you have questions, don't hesitate to contact your credit card issuer to get the answers you need.
Why You May Want to Transfer Credit Limits
There are several reasons to consider moving some of your available credit from one card to another. Here are some situations where you may want to request a transfer.
You Use One Card More Often
There are a lot of factors that go into determining your credit limit. If you use one card more often than another but have a lower limit, moving available credit from the card you use less frequently can help in several ways:
- It gives you more spending power. You don't have to worry about constantly bumping up against your credit limit if your limit has increased significantly.
- It allows you to earn more rewards. If you're using one card more because you prefer its rewards program, having more spending power with the card gives you the opportunity to better maximize your rewards-earning potential.
- It can improve your credit utilization ratio. Your credit utilization ratio, or the percentage of your credit limit that you're using at a given time, is an important factor in determining your credit score. If you use one card more than the other, increasing its limit can help drive down your utilization rate and potentially increase your credit score.
You're Closing a Credit Card
One of the drawbacks of closing a credit card is that you lose the available credit on that card. Depending on the situation, losing that available credit could increase your utilization ratio to the point that it decreases your credit score.
To help alleviate this potential problem, you can move available credit from the card you're planning to close, so you can still enjoy the benefits that come with it.
You're Opening a New Credit Card
One of the factors that card issuers consider when you apply for a new credit card is how much available credit you already have with them. If you've reached your maximum, you'll have a hard time getting approved for the new card unless you can move some of your available credit from an existing account to the new one.
This isn't always an option, but it can be a good way to get the card you want without having to cancel another card with the bank.
Learn more: How Many Credit Cards Should I Have?
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Watch Your Credit for an Impact
Regardless of why you want to transfer available credit from one card to another, it's important to watch for any positive or negative effects on your credit score. With Experian's free credit monitoring service, you'll get free access to your Experian credit report, along with your FICO® ScoreΘ powered by Experian data.
You'll also get real-time alerts when changes are made to your credit report, such as when a new inquiry is added.
After you request the credit limit transfer, keep an eye on your credit score and report to find out if there's an impact. Then continue to monitor your credit regularly to continue to build or maintain a good credit history for when you need it.
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About the author
Ben Luthi
Ben Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money. His work has appeared in Time, Success, USA Today, Credit Karma, NerdWallet, Wirecutter and more.
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