From: "Doug Ramage" 
Newsgroups: uk.finance
Subject: Re: MBNA - consolisating credit limits
Date: Thu, 14 Aug 2003 12:00:52 +0100


"Tim"  wrote in message
news:bhfph1$347$1@titan.btinternet.com...
> "Dudley" wrote:
> > >I've got three different cards with MBNA -
> > >  The total limit of all three cards is £13,000.
> > >
> > >I don't really need to carry all the plastic around, but it would nice
to
> > >keep the £13,000 credit limit.  Anybody know if MBNA allow you to
> transfer
> > >the credit limit from one card to another and consolidate up?
> > >
>
> "Peter Saxton" wrote
> > I would doubt if you could consolidate them.
>
> I disagree.  Many years ago, I had one MBNA card.  Then they said "why not
> have another?".  I said "OK!".  A little later, they again said "why not
> have another?".  Again, I said "OK!".  I think I ended up with 3 or 4 -
> finally, never using any but the first, I 'phoned up & said "I don't need
> the others; can you transfer their credit limits across to the first, and
> close down the others please?".  "Of course, sir!" they replied.
>
> IIRC, the "other" cards may have needed to have the zero balance (mine
> did) - not sure if they'd transfer the balances over if needed, though.
But
> OP doesn't appear to have any worry there...
>
>
>

I think you are correct about the zero balance, as I wanted to merge a
normal MBNA card to my University affiliated one (cheaper rate etc), and I
think that I had to pay off  the balance on the former.
--
Doug Ramage