topic Re: How many Cap 1 cards is too many? in Credit Card Applications

How many Cap 1 cards is too many?

masscredit — Sun, 02 Nov 2025 06:40:14 GMT

Tonight I clicked on Cap 1's pre-approval link to see what I might be approved for. I wasn't going to go through with it but was just courious to see what they would offer. I received a message that said they didn't have any offers for me. The letter that was sent shortly after said there are too many Cap 1 accounts. What do they consider too many? I just have 3.

Re: How many Cap 1 cards is too many?

1lifeisworthit — Sun, 02 Nov 2025 12:56:07 GMT

I'm only allowed 2.

No idea what the criterion is that limits me.

Re: How many Cap 1 cards is too many?

coldfusion — Sun, 02 Nov 2025 16:08:49 GMT

This is a topic that has been discussed here before so with some careful searching one can get you a more definitive answer, but from hazy memory you're allowed up to 5 cards but the caveat that there is a cap of 2 core cards.

Re: How many Cap 1 cards is too many?

Zoostation1 — Tue, 04 Nov 2025 04:43:20 GMT

@coldfusion It doesn't seem matter how many of the 5 are core cards. I've got 4 core cards with them, all opened between 2/2022 and 4/2024

QS $2300CL (QS1-> V1>QS )

Savor $1000 CL (former SavorOne before rebranding, moved 3500 CL from it to VX after the other Savor was opened)

VX $15k CL

Savor 20k CL (previous $95 AF version)

Re: How many Cap 1 cards is too many?

Fee-Fi-Fo-Fico — Wed, 05 Nov 2025 16:21:36 GMT

I currently have a Savor, VentureOne, Quicksilver, another Quicksilver (converted from Walmart rewards), a Quicksilver One and a Williams Sonoma card with them. I don't think you can get more than 5 major (Visa/MC) cards with them.

I will be closing all three of the QS/QS1 cards shortly in hopes that opens me up for a Venture X card.

Re: How many Cap 1 cards is too many?

masscredit — Wed, 05 Nov 2025 17:34:52 GMT

@Fee-Fi-Fo-Fico Are you going to move the QS credit limits over to the Savor card before you close the accounts?

Re: How many Cap 1 cards is too many?

Fee-Fi-Fo-Fico — Wed, 05 Nov 2025 17:40:25 GMT

@masscredit wrote:
@Fee-Fi-Fo-Fico Are you going to move the QS credit limits over to the Savor card before you close the accounts?

Already did. They're down to $500 now.

Re: How many Cap 1 cards is too many?

BoujeeBetty — Sat, 08 Nov 2025 14:24:32 GMT

One. I had a $10k Venture One and they CLDed me to $5k because of lack of spend. So I called them up and said I don't need your stinkin' card.

Re: How many Cap 1 cards is too many?

911gt34life — Thu, 13 Nov 2025 19:28:46 GMT

I only have one, but I had 4 ..

two quicksilver's

two Savor

those were pretty low limited

Re: How many Cap 1 cards is too many?

MileHigh96 — Thu, 13 Nov 2025 19:45:36 GMT

I currently have four, I have a QS, a Savor, a Kohl's Visa that started as the store card, and I was just approved for the new T-Mobile Visa with a $15K limit last week.

Re: How many Cap 1 cards is too many?

Aim_High — Thu, 13 Nov 2025 22:19:29 GMT

Well, this thread is news to me. I have read many times that the limit for Capital One cards is three. I didn't think there was any exception for core versus non-core cards. So the several reports above exceeding that wasn't my understanding or that of @coldfusion. Perhaps the rules have changed along the way, just as they previously didn't allow transfer of credit limits until a couple of years ago.