Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Valued Contributor
john398
Posts: 2,465
Registered: ‎01-19-2009

Re: Capital one How many cards can you have?

Options

‎03-01-2012 02:16 PM

bichonmom wrote:

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.


So to get a venture I would need to close one of my cash rewards cards correct? I have 2 cash reward cards and 1 sony card

Message 11 of 33 (2,346 Views)
 
Reply
Regular Contributor
getmycreditright
Posts: 199
Registered: ‎05-23-2007

Re: Capital one How many cards can you have?

Options

‎03-01-2012 02:29 PM

Why don't they let you merge the two cards together? I have two accounts with them, but I don't wanna manage two accounts for measly credit lines of $750 & $500. It's not like their exposure would change or anything. Ugh.

-------------------------------------------------------------------------------------------------
Starting Score - 575 (4/10)
Current Score - EQ - 750, TU - 752, EX - 728 11/4/12

Current Cards:
AMEX SPG ($7.5k), Amazon.com Visa ($3k), Discover More ($2k) all since 11/4/12

Fighting the good fight!
Message 12 of 33 (2,345 Views)
 
Reply
Established Contributor
UpNComing
Posts: 672
Registered: ‎05-02-2008

Re: Capital one How many cards can you have?

Options

‎03-01-2012 02:36 PM

I already have the Platinum MC, just got the Green Cash and Kohls.

CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682
Message 13 of 33 (2,340 Views)
 
Reply
Valued Member
Moes
Posts: 47
Registered: ‎08-30-2010

Re: Capital one How many cards can you have?

[ Edited ]
Options

‎03-01-2012 03:34 PM - edited ‎03-01-2012 03:35 PM

I have the cash rewards and platinum cards. I went on their site to see if I prequalified for another card but only the two I have came up. I decided to apply for their MTV visa since I need a visa. Instantly approved for $1000, now I can shred my orchard bank card which is stuck at $300!

Starting Score: 520
Current Score: 665
Goal Score: 700

Take the FICO Fitness Challenge
Message 14 of 33 (2,320 Views)
 
Reply
Senior Contributor
Wolf3
Posts: 3,191
Registered: ‎01-24-2010

Re: Capital one How many cards can you have?

Options

‎03-01-2012 03:51 PM

Store (including cobranded) are generally not included in these arbitrary counts.   The stores would not allow the bank to deny credit to a good customer because they have another account.  

Message 15 of 33 (2,313 Views)
 
Reply
Frequent Contributor
rbh
Posts: 356
Registered: ‎06-25-2009

Re: Capital one How many cards can you have?

Options

‎03-01-2012 03:54 PM

Again, like I posted earlier, I had 3 accounts with Capital One up until 3 weeks ago.  I had a No Hassle Rewards Platinum, MTV, and Cash Rewards. I'm not sure where this supposed 2 card limit is coming from.

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 16 of 33 (2,309 Views)
 
Reply
Senior Contributor
Wolf3
Posts: 3,191
Registered: ‎01-24-2010

Re: Capital one How many cards can you have?

Options

‎03-01-2012 04:08 PM

rbh wrote:

Again, like I posted earlier, I had 3 accounts with Capital One up until 3 weeks ago.  I had a No Hassle Rewards Platinum, MTV, and Cash Rewards. I'm not sure where this supposed 2 card limit is coming from.


The MTV does not count in the 2 card limit.  It is a cobranded store card.

Message 17 of 33 (2,301 Views)
 
Reply
Contributor
dmbtay
Posts: 98
Registered: ‎03-01-2012

Re: Capital one How many cards can you have?

Options

‎03-01-2012 04:10 PM

we have a world mastercard + a venture card + 2 other random cards which they refuse to merge and have not been used in years.

Message 18 of 33 (2,294 Views)
 
Reply
Senior Contributor
Wolf3
Posts: 3,191
Registered: ‎01-24-2010

Re: Capital one How many cards can you have?

Options

‎03-01-2012 04:12 PM

dmbtay wrote:

we have a world mastercard + a venture card + 2 other random cards which they refuse to merge and have not been used in years.

What's a random card.    Pick them from a big deck of CC? 

Message 19 of 33 (2,290 Views)
 
Reply
Contributor
dmbtay
Posts: 98
Registered: ‎03-01-2012

Re: Capital one How many cards can you have?

Options

‎03-01-2012 04:27 PM

honestly i don't even know what it is, cash rewards maybe?  I've had them both since 2004, never changed the limit and never merged them.

Message 20 of 33 (2,281 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+