Capital One to offer account and CL combining.

Anonymous · ‎04-25-2015

Just talked to a representative with Capital One. I inquired about combining my two accounts into one, was told that it's not currently available, but the plans are laid out, and are waiting for approval, she estimated within the next month or two Capital One customers will recieve letters informing them of the new options.

chalupaman · ‎04-25-2015

@Anonymous wrote:
Just talked to a representative with Capital One. I inquired about combining my two accounts into one, was told that it's not currently available, but the plans are laid out, and are waiting for approval, she estimated within the next month or two Capital One customers will recieve letters informing them of the new options.

Sounds great! That's one of the things that struck me as odd about them but it seems like they're really trying to catch up and compete with the other big boys now.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

JSS3 · ‎04-25-2015

I'd get a Venture and roll it into my QuickSilver!

Anonymous · ‎04-25-2015

That's awesome. Maybe when I'm done with the secured card, maybe they'll offer an option to move all of that CL to my quicksilver one lol

Anonymous · ‎04-25-2015

Good idea too JSS3

IaBoy62 · ‎04-25-2015

That would be great....I would like to move my Sony VISA line over to my QS 1 for the cash rewards!

Anonymous · ‎04-25-2015

This would be good. I have a QS and Platinum. The Platinum was opened in 2000 but don't use it now that it's paid off. I voluntarily dropped the CL from $16k to $8k (before I found the myFICO forums). I've asked Capital One if they would change the Platinum to a more useful card for me but the answer is no. So, this gives me hope.

Anonymous · ‎04-25-2015

That's great except I have a visa and a mastercard and quicksilver is my only Mastercard (I would love to combine them).

CreditJim · ‎04-25-2015

This would be truly awesome news if it's true. I've never wanted to get rid of my original Capital One card as it's my oldest tradeline, and has a 5.9% APR. So if I can fold the CL from my Quicksilver into that original card that'll give me a nice CL on my oldest card with a super low APR. What I've always wanted to do with my Capital One accounts.

Luscher · ‎04-25-2015

I definitely want a firmer confirmation on this before I go open more cards haha