Regular Contributor
JR2475
Posts: 110
Registered: ‎08-26-2008
Re: Capital one (combining question)

Don't think this will help much, but I when I combined mine I had 3 all with 0 balances.

 

As far as waiting to combine, the only downside I can see is paying the extra interest on the $400.   But then again, if your AF hits before you transfer, that may make up for it.  Your utilization will stay the same so you don't have to worry about that aspect at all as far as I can tell.