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Established Contributor
Posts: 503
Registered: ‎04-16-2011

Re: Capital one How many cards can you have?

i've said it many times already... i work for capital one. the limit is 2. the end >_>


Co-branded cards don't count towards the limit, nor do business cards.. the cards directly from capital one, you can only have two. i would like someone who has 2 to apply for a 3rd and see the letter they get in the mail.

 

It'll specifically say that the limit of 2 cards has been reached.


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Registered: ‎02-24-2012
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Re: Capital one How many cards can you have?

I have 3 capital one platinum cards. For about 10 years. Maybe the limit 2 policy is new? Or I am an exception?
Established Contributor
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Registered: ‎04-16-2011
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Re: Capital one How many cards can you have?

Im not sure how long its been but there are always exceptions.... Like if you were converted
from chevy chase or north fork bank. Or if your an authorized user... And a few others

Starting Score: 575 (As Of Early 2011)
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Re: Capital one How many cards can you have?

juan123 i have sent you a private message.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
New Member
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Registered: ‎02-24-2012
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Re: Capital one How many cards can you have?

Hmmm....these are my 3 cards (not AU), and have always been cap 1 cards. Maybe my cards predate this policy...
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Registered: ‎06-18-2011
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Re: Capital one How many cards can you have?

Juan123 that works for Capital One - I've read here on this forum that Capital One does not PC credit cards to better cards once scores go up and positive credit is established.  There are not client initiated credit limit increases with Capital One. Finally, if two is the max then those that have rebuilt their credit must close one of their earlier "credit steps" Capital One cards then apply for a better card otherwise they will be denied for already having two cards.  Do I have that correct?


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Re: Capital one How many cards can you have?


wamcon wrote:

Juan123 that works for Capital One - I've read here on this forum that Capital One does not PC credit cards to better cards once scores go up and positive credit is established.  There are not client initiated credit limit increases with Capital One. Finally, if two is the max then those that have rebuilt their credit must close one of their earlier "credit steps" Capital One cards then apply for a better card otherwise they will be denied for already having two cards.  Do I have that correct?


I'm not Juan, but basically what you have written is correct. There are exceptions. I have read a post where someone did manage to PC what I believe was a rebuilder, but who knows if that was accurate or if they were just a rare exception. If you're ready to go beyond rebuilders, I would look at other CCCs besides Cap One. Then, if you have your heart set on another Cap One, you could close one of your rebuilders and apply for a different Cap One.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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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Registered: ‎05-04-2011
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Re: Capital one How many cards can you have?

[ Edited ]

2 is the limit with CapOne apparantly.

 

 

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Re: Capital one How many cards can you have?


mAndrew1980 wrote:

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


You and me both! Hahaha.


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Established Contributor
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Registered: ‎10-16-2010
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Re: Capital one How many cards can you have?


daisydvm wrote:

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!!!



Nice pun. :smileyhappy:


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
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