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New Contributor
littlesister
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)
Established Contributor
corymcd88
Posts: 837
Registered: ‎12-12-2011
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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 - 3,300/7,500, JCP MasterCard / SYNCB - 4,000, Dillard's / SYNCB - 3,000, Amazon / SYNCB - 1,500, Chevron / SYNCB - 1,000, Belk / SYNCB - 3,000, Aeromexico Visa / US Bank - 300, Capital One - 500/1,700, Bank Of America 123 Cash Back - 2,500, Wells Fargo - 300, AMEX ZYNC - NPSL, AMEX Green Card - NPSL, AMEX Hilton HHonours - 2,000, USAA AMEX - 250, PenFed Platinum Rewards Visa Signature - 18,400, PenFed Travel Rewards AMEX - 5,000.
Established Contributor
CreditCrusader
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
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Established Contributor
mAndrew1980
Posts: 711
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
aussiesareforever
Posts: 740
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 ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

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

Senior Contributor
john398
Posts: 3,517
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
MarcinXP
Posts: 304
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 $25k / Fidelity Amex $7.5k / Chase Freedom Visa $7.5k / BOA - BBR MC $7.5k / Chase Sapphire Preferred $7k / Best Buy Platinum MC $3K / Barclay Rewards MC $2k / Chase Amazon Visa $1k / Discover IT $1K / GE Lowes and GE Walmart $5k / GE Amazon $2450 / Target RedCard - $300 / NO CAPONE IN MY WALLET ANYMORE!
Contributor
luvandlife
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+

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I'm done taking shortcuts. I choose the long route. I'll still get there~
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Frequent Contributor
rbh
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
bichonmom
Posts: 3,318
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!


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