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Capital one How many cards can you have?

Senior Contributor

Re: Capital one How many cards can you have?


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 34
Regular Contributor

Re: Capital one How many cards can you have?

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 34
Established Contributor

Re: Capital one How many cards can you have?

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); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682
Message 13 of 34
Valued Member

Re: Capital one How many cards can you have?

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 34
Senior Contributor

Re: Capital one How many cards can you have?

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 34
Frequent Contributor

Re: Capital one How many cards can you have?

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 34
Senior Contributor

Re: Capital one How many cards can you have?


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 34
Regular Contributor

Re: Capital one How many cards can you have?

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 34
Senior Contributor

Re: Capital one How many cards can you have?


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 34
Regular Contributor

Re: Capital one How many cards can you have?

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 34