Cap 1 account combination quick question

[masscredit]

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@Dalmus wrote:
Be careful about getting your credit limit too high. Unless your monthly spend supports a high credit limit, Capital One seems to have lately been taking a look at high limit cards and reducing the limits.
It's all anecdotal of course, but the magic number seems to be about $25,000.

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Good to know!  Something that Cap1 lists on the account combination page -- 

• Personal cards cannot be combined to create a single credit line greater than $50,000 and small business cards cannot be combined to create a single credit line greater than $100,000.

My origional thought when I first heard about the combination option was to have one card with a $50K limit. I'm not planning to do that now but I still think about it. I'd hate to get a high limit then lose a lot of it so I won't get carried away.

[Shooting-For-800]

Change it to a QuickSilver with no AF.  Then worry about combining later.

[masscredit]

So obvious but I never though of changing it to a QS. I have about 55,000 points on the Venture so I need to use them for a trip or take the cash option before I do anything with it.

[SunriseEarth]

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@masscredit wrote:

So obvious but I never though of changing it to a QS. I have about 55,000 points on the Venture so I need to use them for a trip or take the cash option before I do anything with it.

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No you don't...if you convert to QS, the points convert to the cash equivalent.   I converted my V1 to QS, so I can confirm from experience.  

[masscredit]

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@SunriseEarth wrote:

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@masscredit wrote:

So obvious but I never though of changing it to a QS. I have about 55,000 points on the Venture so I need to use them for a trip or take the cash option before I do anything with it.

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No you don't...if you convert to QS, the points convert to the cash equivalent.   I converted my V1 to QS, so I can confirm from experience.  

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I'm looking at my account now.  Total points is 52,972.  That can be converted $264.86 through the Venture card.  Would I get the full points total if I converted it to a QS or would it be the dollar total that I would have received? 

Also, if I do that, would that mean the card wouldn't be eligible for an account combination for 6 months? 

I'm researching the high limit AA/CLD thing so I might not combine anymore. 

[SunriseEarth]

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@masscredit wrote:

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@SunriseEarth wrote:

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@masscredit wrote:

So obvious but I never though of changing it to a QS. I have about 55,000 points on the Venture so I need to use them for a trip or take the cash option before I do anything with it.

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No you don't...if you convert to QS, the points convert to the cash equivalent.   I converted my V1 to QS, so I can confirm from experience.  

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I'm looking at my account now.  Total points is 52,972.  That can be converted $264.86 through the Venture card.  Would I get the full points total if I converted it to a QS or would it be the dollar total that I would have received? 

Also, if I do that, would that mean the card wouldn't be eligible for an account combination for 6 months? 

I'm researching the high limit AA/CLD thing so I might not combine anymore. 

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The 52,972 points on Venture would become $529.72 when you PC to the QS.   As for the effects of a PC on combination, I'm not sure about that.   I waited one year to combine my QS into my older QS from the time it opened, but I was carrying a balance.