topic Re: Is this a trick with Cap1 combining?! in Credit Cards

Is this a trick with Cap1 combining?!

Creditaddict — Wed, 08 Jul 2015 14:39:17 GMT

I went to mine to do it:

Account Combination

No Cards Eligible

Sorry! None of your cards are currently eligible for an account combination.

Card Eligibility Requirements

Card accounts must be in good standing
Card accounts must be open for at least 6 months
One card account must have a $0 balance and no pending transactions
Card accounts must be linked in your online banking profile

I have a QS from 2010 with $3k limit and $0 balance

I have a Spark from 2013 with $2k limit and $0 balance

Sony from 2014 with $2250 limit and $0 balance

Venture One $7000 limit with $5.50 balance that is only 4 months old

and Venture not showing yet (have not received card)

I expected QS and Sony at minimum to be options!?

What gives?!

Re: Is this a trick with Cap1 combining?!

Anonymous — Wed, 08 Jul 2015 14:40:18 GMT

@Creditaddict wrote:
I went to mine to do it:
Account Combination
No Cards Eligible
Sorry! None of your cards are currently eligible for an account combination.
Card Eligibility Requirements
Card accounts must be in good standing
Card accounts must be open for at least 6 months
One card account must have a $0 balance and no pending transactions
Card accounts must be linked in your online banking profile

I have a QS from 2010 with $3k limit and $0 balance
I have a Spark from 2013 with $2k limit and $0 balance
Sony from 2014 with $2250 limit and $0 balance
Venture One $7000 limit with $5.50 balance that is only 4 months old
and Venture not showing yet (have not received card)

I expected QS and Sony at minimum to be options!?

What gives?!

All signs point to call EO.

Re: Is this a trick with Cap1 combining?!

kdm31091 — Wed, 08 Jul 2015 14:42:48 GMT

Cobranded (Sony) is almost certainly not eligible.

Your Venture cards are too new, as you can read, they have to be 6 months old.

Spark can't be combined with the personal cards.

Call EO for what? OP just needs to wait for Venture to age. This is exactly what I mean with overusing the EO.

Re: Is this a trick with Cap1 combining?!

Anonymous — Wed, 08 Jul 2015 14:47:44 GMT

has it worked for anyone? i have 4 cards. 2 are eligibile based on the guidelines cap 1 is providing but i am still getting the same message. i have two qs's both over 6 months old, both 0 balance, no pending transactions, linked online and it still wont allow me. I called and the supervisor came back and said they havent rolled it out fully yet and its not working for anyone

Re: Is this a trick with Cap1 combining?!

Anonymous — Wed, 08 Jul 2015 14:49:04 GMT

i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.

Re: Is this a trick with Cap1 combining?!

kdm31091 — Wed, 08 Jul 2015 14:50:55 GMT

@Anonymous wrote:
i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.

Correct, and there's nothing wrong here to warrant calling the EO...OP's cards don't fit the (clear) policies laid out on the page. Once the Venture is 6 months old he will have no issue...the Sony and Spark are just ineligible for this period.

EO would be of no help, and is a waste of time and effort not just for the customer but for them as well in this case -- they shouldn't be overused.

Re: Is this a trick with Cap1 combining?!

Anonymous — Wed, 08 Jul 2015 14:55:40 GMT

EO appears to be the catch-all for all first world Capital One problems. Why would this be any different?

Re: Is this a trick with Cap1 combining?!

kdm31091 — Wed, 08 Jul 2015 14:59:07 GMT

@Anonymous wrote:
EO appears to be the catch-all for all first world Capital One problems. Why would this be any different?

Haha, it's very overused with Capital One and honestly, the more it gets overused, the less likely it will be easily available in the future.

I could see them staffing the EO's main number with frontline CSRs who will bounce you back to the lowly "regular" call center if your inquiry does not merit needing the EO (and let's face it, probably 80+% of our questions don't).

Re: Is this a trick with Cap1 combining?!

Creditaddict — Wed, 08 Jul 2015 15:01:10 GMT

@kdm31091 wrote:
@Anonymous wrote:
i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.
Correct, and there's nothing wrong here to warrant calling the EO...OP's cards don't fit the (clear) policies laid out on the page. Once the Venture is 6 months old he will have no issue...the Sony and Spark are just ineligible for this period.

EO would be of no help, and is a waste of time and effort not just for the customer but for them as well in this case -- they shouldn't be overused.

the guidelines say nothing about co-branded cards and spark cards not being able to combine (they are both on my log in which it does state need to be)

ill wait but is it actually working for anyone?

Re: Is this a trick with Cap1 combining?!

Saleen099 — Wed, 08 Jul 2015 15:05:50 GMT

Not working at all received the same message.

Re: Is this a trick with Cap1 combining?!

ddemari — Wed, 08 Jul 2015 15:08:21 GMT

I logged in just now and see the option! Unfortunately I am running a balance transfer on all of capitalone cards except Quicksilver visa signtature I use day to day.

But now more incentive to pay my balances off quicker! I cant wait to comebine all my capitalone one cards to QuickSilver Visa signature because basically all my cap1 cards are quicksilver and quicksilver 1's. My VentureOne conversion to QuickSilver Visa Sig is my best apr at 12.9% no annual fee.

Account Combination

No Cards Eligible

Sorry! None of your cards are currently eligible for an account combination.

Card Eligibility Requirements

Card accounts must be in good standing
Card accounts must be open for at least 6 months
One card account must have a $0 balance and no pending transactions
Card accounts must be linked in your

Re: Is this a trick with Cap1 combining?!

CreditCuriosity — Wed, 08 Jul 2015 15:20:23 GMT

@Anonymous wrote:
has it worked for anyone? i have 4 cards. 2 are eligibile based on the guidelines cap 1 is providing but i am still getting the same message. i have two qs's both over 6 months old, both 0 balance, no pending transactions, linked online and it still wont allow me. I called and the supervisor came back and said they havent rolled it out fully yet and its not working for anyone

Having same issues.. Just got off with their tech support they can't find a reason that it isn't working.. Most likely teething issues and probably some bugs with the process. I had them unlink and me relink accounts and all to no available and they said I was eligable.. Said give them a few days... Curious if other people find a work around in the near future

@Anonymous ya co-branded won't go and business obviously wont go for obvious reasons (IMO), so got to let your venture hit 6 months.

Re: Is this a trick with Cap1 combining?!

kdm31091 — Wed, 08 Jul 2015 15:20:13 GMT

@Creditaddict wrote:
@kdm31091 wrote:
@Anonymous wrote:
i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.
Correct, and there's nothing wrong here to warrant calling the EO...OP's cards don't fit the (clear) policies laid out on the page. Once the Venture is 6 months old he will have no issue...the Sony and Spark are just ineligible for this period.

EO would be of no help, and is a waste of time and effort not just for the customer but for them as well in this case -- they shouldn't be overused.
the guidelines say nothing about co-branded cards and spark cards not being able to combine (they are both on my log in which it does state need to be)
ill wait but is it actually working for anyone?

I think we just are all assuming that the business +personal can't be combined, with regard to your Spark. The cobrand is also just a consensus and could be incorrrect but nobody has reported success with merging cobrands. You could call (a frontline CSR! Lol) and confirm but it seems like you just have to wait on your Venture to age, and the other cards are likely simply ineligible.

For those with cards who fit the requirements, the feature has been working just fine.

Re: Is this a trick with Cap1 combining?!

CreditCuriosity — Wed, 08 Jul 2015 15:22:35 GMT

@kdm31091 wrote:
@Creditaddict wrote:
@kdm31091 wrote:
@Anonymous wrote:
i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.
Correct, and there's nothing wrong here to warrant calling the EO...OP's cards don't fit the (clear) policies laid out on the page. Once the Venture is 6 months old he will have no issue...the Sony and Spark are just ineligible for this period.

EO would be of no help, and is a waste of time and effort not just for the customer but for them as well in this case -- they shouldn't be overused.
the guidelines say nothing about co-branded cards and spark cards not being able to combine (they are both on my log in which it does state need to be)
ill wait but is it actually working for anyone?
I think we just are all assuming that the business +personal can't be combined, with regard to your Spark. The cobrand is also just a consensus and could be incorrrect but nobody has reported success with merging cobrands. You could call (a frontline CSR! Lol) and confirm but it seems like you just have to wait on your Venture to age, and the other cards are likely simply ineligible.

For those with cards who fit the requirements, the feature has been working just fine.

I would have to disagree just got off from a 30 min call with their technical dept. and they admitted they have no clue why two of my accounts aren't work and give it a few days as growing pains... See if that pans out.. There are obviously problems for many people including myself, which just got off a lengthy call with them and went through many trouble shooting methods such as linking and unlinking accounts etc..

Re: Is this a trick with Cap1 combining?!

Anonymous — Wed, 08 Jul 2015 15:23:44 GMT

i havent seen anyone say it was working. my cards are certainly eligible and it is not working.

Re: Is this a trick with Cap1 combining?!

Anonymous — Wed, 08 Jul 2015 15:25:17 GMT

what is a possibility is that maybe cards that merged from other companies, in my case, orchard bank, are not available. i did call and the csr, and the supervisor both confirmed that it not an eligibility requirement but im thinking it might be. as i said earlier, i havent seen anyone say its working yet and the csr told me its just the system is too new

Re: Is this a trick with Cap1 combining?!

kdm31091 — Wed, 08 Jul 2015 15:26:20 GMT

@CreditCuriousity wrote:
@kdm31091 wrote:
@Creditaddict wrote:
@kdm31091 wrote:
@Anonymous wrote:
i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.
Correct, and there's nothing wrong here to warrant calling the EO...OP's cards don't fit the (clear) policies laid out on the page. Once the Venture is 6 months old he will have no issue...the Sony and Spark are just ineligible for this period.

EO would be of no help, and is a waste of time and effort not just for the customer but for them as well in this case -- they shouldn't be overused.
the guidelines say nothing about co-branded cards and spark cards not being able to combine (they are both on my log in which it does state need to be)
ill wait but is it actually working for anyone?
I think we just are all assuming that the business +personal can't be combined, with regard to your Spark. The cobrand is also just a consensus and could be incorrrect but nobody has reported success with merging cobrands. You could call (a frontline CSR! Lol) and confirm but it seems like you just have to wait on your Venture to age, and the other cards are likely simply ineligible.

For those with cards who fit the requirements, the feature has been working just fine.
I would have to disagree just got off from a 30 min call with their technical dept. and they admitted they have no clue why two of my accounts aren't work and give it a few days as growing pains... See if that pans out.. There are obviously problems for many people including myself, which just got off a lengthy call with them and went through many trouble shooting methods such as linking and unlinking accounts etc..

Sorry, I should have added "most of the time"

There are dozens of success stories in the mega thread, and yes a few hiccups with cards that do in fact meet the requirements.

It's a brand new feature, literally rolled out less than 24 hours ago. You have to give it some time.

Re: Is this a trick with Cap1 combining?!

CreditCuriosity — Wed, 08 Jul 2015 15:34:28 GMT

@kdm31091 wrote:
@CreditCuriousity wrote:
@kdm31091 wrote:
@Creditaddict wrote:
@kdm31091 wrote:
@Anonymous wrote:
i certainly would not call the EO for this though. 1 - its not urgent enough 2- its a brand new feature that may not be working fully yet 3- EO is for urgent concerns and shouldnt be abused.
Correct, and there's nothing wrong here to warrant calling the EO...OP's cards don't fit the (clear) policies laid out on the page. Once the Venture is 6 months old he will have no issue...the Sony and Spark are just ineligible for this period.

EO would be of no help, and is a waste of time and effort not just for the customer but for them as well in this case -- they shouldn't be overused.
the guidelines say nothing about co-branded cards and spark cards not being able to combine (they are both on my log in which it does state need to be)
ill wait but is it actually working for anyone?
I think we just are all assuming that the business +personal can't be combined, with regard to your Spark. The cobrand is also just a consensus and could be incorrrect but nobody has reported success with merging cobrands. You could call (a frontline CSR! Lol) and confirm but it seems like you just have to wait on your Venture to age, and the other cards are likely simply ineligible.

For those with cards who fit the requirements, the feature has been working just fine.
I would have to disagree just got off from a 30 min call with their technical dept. and they admitted they have no clue why two of my accounts aren't work and give it a few days as growing pains... See if that pans out.. There are obviously problems for many people including myself, which just got off a lengthy call with them and went through many trouble shooting methods such as linking and unlinking accounts etc..
Sorry, I should have added "most of the time"

There are dozens of success stories in the mega thread, and yes a few hiccups with cards that do in fact meet the requirements.

It's a brand new feature, literally rolled out less than 24 hours ago. You have to give it some time.

Oh I agree.. I write software for a living and users find bugs I never accounted for and have to fix them and roll out patches/new deployments and have also written software for CC companies as well being Chase (consutant) and Credit one (full-time) in the past and I can tell you I wrote some stuff at least on the Credit One side that some of the users on here probably would strangle me if they knew the bugs I introduced . We did huge bi-weekly deployments at credit one from 8 pm to 5 amish.. what a nightmare time in my life.

Re: Is this a trick with Cap1 combining?!

icyhot — Wed, 08 Jul 2015 15:47:11 GMT

Why would Sony not be eligible just because it's co-branded? None of the stipulations say that

Re: Is this a trick with Cap1 combining?!

kdm31091 — Wed, 08 Jul 2015 15:51:59 GMT

@icyhot wrote:
Why would Sony not be eligible just because it's co-branded? None of the stipulations say that

With any issuer, cobranded cards usually work a bit differently as they are not purely backed by the issuer themselves. So the policies do not always apply the same way to cobrands because the agreements between issuer/cobrand company may not allow certain things. On the Sony card, as far as I can tell, you can only redeem towards Sony products/the Sony catalog - to ensure Sony gets your business, they won't allow Cap One to let you take a statement credit.

In this case, Sony may very well say "you can't allow a customer to take the limit from Sony and merge it into one of your cards" as they don't want people ditching the card. Of course one can just outright close it anyway, but this way Sony doesn't allow you to get anything out of closing it, such as retaining the limit.

I could be off base, it's just my theory.