Wish to close my Slate card with 16K credit line that i have had over 20 years. they charge $99 fee that they wont waive. Its a joint liability card so they wont transfer credit line to my or my husband's other chase cards. (20 years ago they did joint cards , now they dont). Do I call and increase my Sapphire Line before or after I close my Slate? Credit score is otherwise very good. thank you