Re-Allocating Credit Limit from an Authorized User Card

Help Needed / Question

I know you can reallocate credit limits between cards if they are from the same bank. But— how about if the one you want to transfer from is not your card, but one you are an authorized user on?

Essentially, I’m wanting to apply for a 0% APR balance transfer card, but I’m worried about getting a low credit limit. My dad has me as an AU on a Chase card with a 27k limit— would be nice if he could reallocate some of that to my new balance transfer card if I get approved for a lower limit.

Anyone have experience with this?

Posted Jun 7, 2024, 2:42 AM UTC

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