Reply
New Contributor
Posts: 68
Registered: ‎11-07-2010
0

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)
Valued Contributor
Posts: 1,058
Registered: ‎12-12-2011
0

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.
Walmart / SYNCB - 1,000/12,000 | JCP MasterCard / SYNCB - 10,000 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 3,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
Established Contributor
Posts: 799
Registered: ‎09-27-2011
0

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 :smileyvery-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
Established Contributor
Posts: 715
Registered: ‎08-26-2011
0

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%.



Established Contributor
Posts: 750
Registered: ‎10-04-2010
0

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 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Capital one How many cards can you have?

Does a Capital 1 sony card count towards the cap?

Frequent Contributor
Posts: 310
Registered: ‎09-06-2011
0

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
Contributor
Posts: 127
Registered: ‎05-29-2011
0

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) :smileyhappy: 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
Frequent Contributor
Posts: 356
Registered: ‎06-25-2009
0

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
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

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!

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.