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Capital one How many cards can you have?

New Contributor

Capital one How many cards can you have?

I just called them and asked if I could pc either of my current cards and was told no. I was told they are at there max and his advice since my credit is great now to apply for a better card. I thought you could only have 2 cards and he said no, there is no limit.

       Is this correct? No way am I taking 3 hp for capital one

Transunion Fico 753
Equifax Fico 756
Experian 817 (amex pull)
Message 1 of 34
33 REPLIES
Valued Contributor

Re: Capital one How many cards can you have?


tfry wrote:

I just called them and asked if I could pc either of my current cards and was told no. I was told they are at there max and his advice since my credit is great now to apply for a better card. I thought you could only have 2 cards and he said no, there is no limit.

       Is this correct? No way am I taking 3 hp for capital one


You can only have two. I tryed to apply for a new account and they said you can only have two.
Message 2 of 34
Established Contributor

Re: Capital one How many cards can you have?


corymcd88 wrote:

tfry wrote:

I just called them and asked if I could pc either of my current cards and was told no. I was told they are at there max and his advice since my credit is great now to apply for a better card. I thought you could only have 2 cards and he said no, there is no limit.

       Is this correct? No way am I taking 3 hp for capital one


You can only have two. I tryed to apply for a new account and they said you can only have two.

They won't even give me the 2nd Smiley Very Happy

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Message 3 of 34
Established Contributor

Re: Capital one How many cards can you have?

I have two cap1 cards and it's two too many lol.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 4 of 34
Established Contributor

Re: Capital one How many cards can you have?

Another post that shows the Capital One customer service reps dont have a clue what is going on. Or they like to say whatever they like.

 

I agree with the OP. Since your scores are better, I won't take 3 HPs for another Capital One card. Go venture elsewhere!!!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 5 of 34
Senior Contributor

Re: Capital one How many cards can you have?

Does a Capital 1 sony card count towards the cap?

Message 6 of 34
Frequent Contributor

Re: Capital one How many cards can you have?

I think their policy is you can have as many Capital One products as you want, however it varies by product and things like that.

 

For example you can have a CAP1 NHRC or Green Cash that they have not, but you can't have another one of those...you can have a CAP1 platinum card on top of that one and that is the limit.

 

You can have a sony CapOne on top of those 2 and Kohl's Capone card as well. When BBRZ card comes aboard to capone you can have that too making 5 cards.

 

It cannot be within the same family, but you can have a lot more than 2 from CAPONE

NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
Message 7 of 34
Contributor

Re: Capital one How many cards can you have?

I just called the backdoor number at CapOne regarding my account and during the conversation I asked the account specialist if there was a limit to the amount of cards you can have with CapOne, and she told me that she has worked there for 8 years and never heard about any limits on the amount of cards you can have. She just helped an account holder with his account and he had 5 CapOne cards, so I definitely agree with MarcinXP having just spoke with an accounts specialist (not just a basic CSR) Smiley Happy I believe it depends on the card type as explained in the above thread.


Starting Score:575 TU, 577 EQ, 610 EX
Current Score:740 TU, 739 EQ, 750 EX
Goal Score:700+

~Anything Worth While, Takes Time~
I'm done taking shortcuts. I choose the long route. I'll still get there~
Take the FICO Fitness Challenge
Message 8 of 34
Frequent Contributor

Re: Capital one How many cards can you have?

Until I canceled one a few weeks ago, I had 3 Cap 1 accounts.

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Message 9 of 34
Senior Contributor

Re: Capital one How many cards can you have?

They only allow 2 Cap Ones, not including the co-branded cards. Their CS reps are notorious for giving erroneous information. If you have 2 psnl cards with them and app for a 3rd, they will reportedly deny your app and not do any HP.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 10 of 34