Mom wrote: ---------------------- Did they pull an inquiry for this?? I wouldn't think they need to but I am on the WAGON, haven't had one since October, they did pull an inquiry when I got the balance transfer on the gold. Just want to keep my record squeaky clean of those. ----------------------- As far as I know the Citi rep did not pull my cr (therefore, there should be no INQUIRY)... the whole process took less than a min. In any case, ask the rep b4 you combine the cards. Good luck mom !