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Capital One Card Consolidation

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SunriseEarth
Moderator Emeritus

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!


@Anonymous wrote:

Looking for some advice on combining

 

Have a

Cap One Platinum...AF of $19....limit 3750 opened 2012

Cap One QS MC..AF of $39.......limit 5500 opened 2014

Cap One Venture One....no AF...Limit 7000 opened 2014

Cap One Venture...no AF..Limit 10000 opened today

 

 

So I am definetly going to get rid of the platinum and comine onto another card but which one?

Should I combine any others like the QS to one of the venture or should i leave all three of thos open?

I know I cant do anything with the new one for 6 month but put in there as reference

 

Any advice would be appreciated

 

Brian

 


Have you seen if you can PC the Platinum to a QS or QS1?   Is APR a factor at all?   Do you have a preference for one rewards structure over the other or would you like both?



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 1081 of 2,133
Anonymous
Not applicable

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!

They are all about the same APR....It looks like the Venture has a better program than Venture one (Correct??) 

Message 1082 of 2,133
SunriseEarth
Moderator Emeritus

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!


@Anonymous wrote:

They are all about the same APR....It looks like the Venture has a better program than Venture one (Correct??) 


Yes, that's true.   I mean if you liked Venture over QS, however.

 

If you intend on having one QS and one Venture, I would call and see if you can PC your Platinum before you do any merging.   Since it's your oldest Cap One account, you might be better off if you PC'd to another product and merged into that card.  



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 1083 of 2,133
PlasticOrPlastic
Established Contributor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!

I just got off the phone with an Internet Rep at Capital One, she manually checked my 3 accounts and said they were all eligible based on what Capital One looks for.  She then admitted there was a bit of a glitch when the system checks your account, she said this can happen because of new accounts, recent purchases, etc.  I asked her if it was scheduled to be fixed and she said she couldnt give an exact date but it was going to be this month.  This gives me some hope yet Smiley Happy just wanted to share!

Message 1084 of 2,133
mattayy
Frequent Contributor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!

I tried combining my two QS cards and it says I'm not eligable Smiley Sad I meet all of the requirements but I know those are just the "main" requirements. Does anyone know what other factors might be causing the ineligability? 

 

Thanks!

EQ: 584 TU: 615 EX: 612

Cap 1 Williams Sonoma Visa $3.5k limit, Walmart MC $2k limit, American Express Platinum $2K limit, Venmo Visa $900 limit, Credit One Amex $700 limit, Credit One Visa $400 limit, Kohls $300 limit, Target RedCard $300 limit, Living Spaces $1k limit, Amazon $400 limit, Jcrew $450 limit, US Bank $300 limit
Message 1085 of 2,133
mattayy
Frequent Contributor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!

eligible* ineligibility* lol 

EQ: 584 TU: 615 EX: 612

Cap 1 Williams Sonoma Visa $3.5k limit, Walmart MC $2k limit, American Express Platinum $2K limit, Venmo Visa $900 limit, Credit One Amex $700 limit, Credit One Visa $400 limit, Kohls $300 limit, Target RedCard $300 limit, Living Spaces $1k limit, Amazon $400 limit, Jcrew $450 limit, US Bank $300 limit
Message 1086 of 2,133
morgacj2004
Valued Contributor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!

Maybe by December they will have all of the glitches resolved.  That is when I plan on merging my accounts. LOL


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 1087 of 2,133
nitrov
Established Contributor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!


@mattayy wrote:

I tried combining my two QS cards and it says I'm not eligable Smiley Sad I meet all of the requirements but I know those are just the "main" requirements. Does anyone know what other factors might be causing the ineligability? 

 

Thanks!


Same problem for me. One of my accounts is an old HSBC account so I'm wondering if that might have something to do with it. I really want to combine those bad boys! Smiley Very Happy

 

Anyone have insight on this? Is it worth calling the EO or better off just waiting on it?

My Top 3: Amex Delta Platinum ($30k) | Amex PRG | Citi Prestige ($30k) |



Starting scores 600-640 (2013), current 765-775 (2019); It is possible!

Message 1088 of 2,133
UncleB
Credit Mentor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!


@nitrov wrote:

@mattayy wrote:

I tried combining my two QS cards and it says I'm not eligable Smiley Sad I meet all of the requirements but I know those are just the "main" requirements. Does anyone know what other factors might be causing the ineligability? 

 

Thanks!


Same problem for me. One of my accounts is an old HSBC account so I'm wondering if that might have something to do with it. I really want to combine those bad boys! Smiley Very Happy

 

Anyone have insight on this? Is it worth calling the EO or better off just waiting on it?


Someone has reported being successful in merging a former Orchard/HSBC account, so that isn't the problem. 

 

Lots of people seem to still be having issues for no apparent reason (i.e. their accounts meet all the published 'rules').  You could reach out to Capital One, but others are generally told to just hang on, or keep trying, that they (Cap One) are working on the problems.

 

If you do contact Capital One and are told something different, please update us here!

Message 1089 of 2,133
nitrov
Established Contributor

Re: Capital One Credit Line Consolidation LINK IS BACK UP!!!


@UncleB wrote:

@nitrov wrote:

@mattayy wrote:

I tried combining my two QS cards and it says I'm not eligable Smiley Sad I meet all of the requirements but I know those are just the "main" requirements. Does anyone know what other factors might be causing the ineligability? 

 

Thanks!


Same problem for me. One of my accounts is an old HSBC account so I'm wondering if that might have something to do with it. I really want to combine those bad boys! Smiley Very Happy

 

Anyone have insight on this? Is it worth calling the EO or better off just waiting on it?


Someone has reported being successful in merging a former Orchard/HSBC account, so that isn't the problem. 

 

Lots of people seem to still be having issues for no apparent reason (i.e. their accounts meet all the published 'rules').  You could reach out to Capital One, but others are generally told to just hang on, or keep trying, that they (Cap One) are working on the problems.

 

If you do contact Capital One and are told something different, please update us here!


Just got off a 30 minute phone call with 2 different CSRs and was told YES my accounts are 100% eligible but SORRY I can't do it right now Smiley Frustrated I was told the only way they can process account combinations is online and via the iPhone app and that they've had a lot of issues, glitches, and bugs with people getting the "Account not eligible" message when, in reality, they are. She advised me they are working on updating the systems to minimize these faulty errors, had me try 2 different browsers, and also had me clear all my browser/cache/cookies and try again, but no avail. She advised, like the first rep, to keep trying every few days until it updates and works. Not really the news I was hoping for but I guess I'll keep trying.

My Top 3: Amex Delta Platinum ($30k) | Amex PRG | Citi Prestige ($30k) |



Starting scores 600-640 (2013), current 765-775 (2019); It is possible!

Message 1090 of 2,133
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