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Updated over 5 years ago on . Most recent reply
![Thuy Pham-Satrappe's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1325952/1621511349-avatar-thuyp.jpg?twic=v1/output=image/crop=1450x1450@282x368/cover=128x128&v=2)
Did you know you can combine your credit lines?
Learned something new today and am super excited to share!
If you have multiple accounts with the same company (for example, a Southwest credit card which is through Chase and a Chase Freedom Card) you can consolidate your credit lines so you can access whatever rates/offers are best at the moment!
I just put an offer in on a deal I wasnt entirely sure how I would fund and the extended credit line will allow me to do it (assuming my offer is accepted).
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![Tom S.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/47458/1621409191-avatar-tdspropertiesvt.jpg?twic=v1/output=image/cover=128x128&v=2)
@Thuy Pham-Satrappe Yes, aware of this too and thanks for posting, as many people don't know it. Exactly as Nick says, they just won't allow the switching of personal vs business.
I'm currently in the process of requesting the CL switch with Capital One.
Now actually using credit lines to purchase RE is something I'm not too fond of. For me, there's peace of mind going to a bank and getting 4.5% fixed for 30 years and not having to worry about it again.
Certainly I've used cards for the rehab portion of properties, but that has it's own risks in the drop of credit score.
- Tom