Letting Capital One go...

[Marcos8]

Not sure about all of them but try to SP CLI any /all of them first. Then look into combining. 

[morgacj2004]

I have 5 CO acts and have been eligible to combine for a year now. If the don't fix the dang combo button I may just close them all. 48.5 k TCL ! 

[greent]

Im thinking about closing my Quicksilver but it has the CL out of the three capito one cards i have. But I have an AF I dont want to pay anymore. 

[Anonymous]

Just keep in mind, Cap1 hangs around when others dont. You don't have to walk on rice paper with them worrying about AA.

Keep them....

[driftless]

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@Marcos8 wrote:

Not sure about all of them but try to SP CLI any /all of them first. Then look into combining. 

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+ 1. I would try to combine them into one card.

[tcbofade]

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@driftless wrote:

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@Marcos8 wrote:

Not sure about all of them but try to SP CLI any /all of them first. Then look into combining. 

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+ 1. I would try to combine them into one card.

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Not sure what I'm not understanding, or not communicating well enough.

Capital one won't grant me a CLI on any of them.

Capital one won't let me consolidate them.

Balance transfers are in process that will nearly zero them out.  When those process, I will make teeny tiny payoff payments to five of them.  After all five of them report zero balances, I will try for SP CLI's.  (I fully expect denials again)  Then, I'll wait 30 days and try to consolidate them.  I fully expect denials based on four of the six being "non Capital One originated cards".

MJ made a good point about util, so I may just leave them sitting empty, but Capital One has been zero help to me for more than a few years now.

[driftless]

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@tcbofade wrote:

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@pizza1 wrote:
Have you tried combining, or are some of those old Household acts?

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One was Orchard, Two were Household, One was somebody else I can't remember. 

They aren't paid off yet, so I haven't tried combining...but only two of them are original "Capital One" cards, so I believe that those would be the only two that I could combine.

Right?

They need to be zeroed out for you to combine them. They may not give you a CLI from the old Household accounts, my wife had an old Visa that was stuck at it's current CL that she combined into her QS.

[Anonymous]

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@tcbofade wrote:

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@driftless wrote:

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@Marcos8 wrote:

Not sure about all of them but try to SP CLI any /all of them first. Then look into combining. 

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+ 1. I would try to combine them into one card.

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Not sure what I'm not understanding, or not communicating well enough.

Capital one won't grant me a CLI on any of them.

Capital one won't let me consolidate them.

Balance transfers are in process that will nearly zero them out.  When those process, I will make teeny tiny payoff payments to five of them.  After all five of them report zero balances, I will try for SP CLI's.  (I fully expect denials again)  Then, I'll wait 30 days and try to consolidate them.  I fully expect denials based on four of the six being "non Capital One originated cards".

MJ made a good point about util, so I may just leave them sitting empty, but Capital One has been zero help to me for more than a few years now.

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I totally understand your frustration with Cap1. Been there, done that.

In order to combine at least one of your accounts must have a $0 balance. 

What were the reason(s) Cap 1 declined your CLIs?

How does your overall credit profile look? Were your Cap1 and/or other account's utilization 50% or higher?

[driftless]

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@beautifulblaquepearl wrote:

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@tcbofade wrote:

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@driftless wrote:

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@Marcos8 wrote:

Not sure about all of them but try to SP CLI any /all of them first. Then look into combining. 

---

+ 1. I would try to combine them into one card.

---

Not sure what I'm not understanding, or not communicating well enough.

Capital one won't grant me a CLI on any of them.

Capital one won't let me consolidate them.

Balance transfers are in process that will nearly zero them out.  When those process, I will make teeny tiny payoff payments to five of them.  After all five of them report zero balances, I will try for SP CLI's.  (I fully expect denials again)  Then, I'll wait 30 days and try to consolidate them.  I fully expect denials based on four of the six being "non Capital One originated cards".

MJ made a good point about util, so I may just leave them sitting empty, but Capital One has been zero help to me for more than a few years now.

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I totally understand your frustration with Cap1. Been there, done that.

In order to combine at least one of your accounts must have a $0 balance. 

What were the reason(s) Cap 1 declined your CLIs?

How does your overall credit profile look? Were your Cap1 and/or other account's utilization 50% or higher?

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I don't think that it has anything to do with his credit profile, there are a lot of posts that suggest that Cap One does not give CLI's for cards to originated with another lender.

[coldnmn]

Just keep them like MJ said. Utilization has been your enemy. After you get refinancing in place that's the time to dump them.