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@grizindabox wrote:Pizza, we included multiple Cap One cards in a previous BK. We have since obtained multiple Cap One cards and were able to combine Platinum cards with QS cards for both of us.
Same here
Is anyone else getting the message that it's not available? It worked for me the other day but said I wasn't eligable, but I think it's because my payment was still pending so my balance wasn't zero. But now I just keep getting the message that it's unavailble.
@Anonymous wrote:Is anyone else getting the message that it's not available? It worked for me the other day but said I wasn't eligable, but I think it's because my payment was still pending so my balance wasn't zero. But now I just keep getting the message that it's unavailble.
Same thing for me.
Worked for me yesterday, they got me on combining 2 account into my oldest that didnt have rewards. Got on chat and product changed to Quicksilver. I'm kinda happy. Just wish it would let me combine my other account with it as well.
I did have to pay 1 account off before combining the 2
I believe the site was just having issues? It's back up and running as of now.
Success! Combined two QS cards.....one with 3.6K limit and the other with a 3K limit.
All CCs now have a minimum of a 5K limit.........except Chase Freedom..........stuck at 1K (with a couple of 800+ credit scores)...........but I digress.......
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So what impact does it have on your score and AAoA...it's gonna take a hit, right? I have 2 QS....open relatively the same time....hmmm...how does this work? Pro's and Con's?
@castor4072 wrote:So what impact does it have on your score and AAoA...it's gonna take a hit, right? I have 2 QS....open relatively the same time....hmmm...how does this work? Pro's and Con's?
Your AAoA won't take a hit for 10 years because the closed card will continue to show on your credit report til then. The only thing people generally worry about when closing an account is the affect on utilization, but in this case that won't be affected because the amount of credit will stay the same. The pro's here are that you have a decent credit limit on one card, as opposed to 2 cards with smaller limits, which means you can make a larger purchase or simply to have more wiggle room utilization wise.
One of my accounts was opened in 2012, the other in 2013. The newer one had a 1% better interest rate (although still too high IMHO for my scores), but I don't carry a balance, so I kept the older one open. I'll work on a request to reduce the interest rate at a later time.
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