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Capital One Account Combination?

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Anonymous
Not applicable

Capital One Account Combination?

Hi everyone! So. I was wondering if it would be a good idea to combine my 2 Cap1 cards to make a $5400 CL on my Quicksilver One then attempt to product chage? However it worries me because my Cap1 Platinum is my oldest card, 2 years 2 months. And the next oldest is the QS1 which turns 2 in October. Is this a bad idea? would it lower my AAoA too much? all of my accounts except 3 have been opened between now and November Smiley Very Happy . Thanks in advance for the feedback!!

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Capital One Account Combination?

I had 4 and combined two.  One of which was my oldest Cap One.  I was successful in combining both and keeping my oldest Cap One and then turned that into a QS.  

Message 2 of 5
SunriseEarth
Moderator Emeritus

Re: Capital One Account Combination?


@Anonymous wrote:

Hi everyone! So. I was wondering if it would be a good idea to combine my 2 Cap1 cards to make a $5400 CL on my Quicksilver One then attempt to product chage? However it worries me because my Cap1 Platinum is my oldest card, 2 years 2 months. And the next oldest is the QS1 which turns 2 in October. Is this a bad idea? would it lower my AAoA too much? all of my accounts except 3 have been opened between now and November Smiley Very Happy . Thanks in advance for the feedback!!


Have you tried to PC the oldest card?

 

My plan is to combine my newish (6 month old) QS VS into my older (2011) QS WMC, once I'm eligible to do so.  I need to pay off the balance on the Visa. 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 3 of 5
Anonymous
Not applicable

Re: Capital One Account Combination?


@SunriseEarth wrote:

@Anonymous wrote:

Hi everyone! So. I was wondering if it would be a good idea to combine my 2 Cap1 cards to make a $5400 CL on my Quicksilver One then attempt to product chage? However it worries me because my Cap1 Platinum is my oldest card, 2 years 2 months. And the next oldest is the QS1 which turns 2 in October. Is this a bad idea? would it lower my AAoA too much? all of my accounts except 3 have been opened between now and November Smiley Very Happy . Thanks in advance for the feedback!!


Have you tried to PC the oldest card?

 

My plan is to combine my newish (6 month old) QS VS into my older (2011) QS WMC, once I'm eligible to do so.  I need to pay off the balance on the Visa. 


Update! They let me PC the oldest card to the QS Visa and then Ill do an account combo! however as part of the deal I have to keep the $19 annual fee. I just paid i this month tho so ill try to get it waived next year! Smiley Tongue

Message 4 of 5
SunriseEarth
Moderator Emeritus

Re: Capital One Account Combination?


@Anonymous wrote:

@SunriseEarth wrote:

@Anonymous wrote:

Hi everyone! So. I was wondering if it would be a good idea to combine my 2 Cap1 cards to make a $5400 CL on my Quicksilver One then attempt to product chage? However it worries me because my Cap1 Platinum is my oldest card, 2 years 2 months. And the next oldest is the QS1 which turns 2 in October. Is this a bad idea? would it lower my AAoA too much? all of my accounts except 3 have been opened between now and November Smiley Very Happy . Thanks in advance for the feedback!!


Have you tried to PC the oldest card?

 

My plan is to combine my newish (6 month old) QS VS into my older (2011) QS WMC, once I'm eligible to do so.  I need to pay off the balance on the Visa. 


Update! They let me PC the oldest card to the QS Visa and then Ill do an account combo! however as part of the deal I have to keep the $19 annual fee. I just paid i this month tho so ill try to get it waived next year! Smiley Tongue


Good job!   Hopefully, they'll let you waive or get rid of the AF in the future.



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 5 of 5
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