topic Re: Need advice on combining limits in Credit Cards

Need advice on combining limits

Anonymous — Thu, 09 Jul 2015 17:42:11 GMT

I guess as everyone knows by now, Cap1 is combining limits. I have 3 Cap1 cards. Venture $5000, QS $4300, QS1 $2000. I was originally going to combine the QS1 onto the Venture for a $7k limit. I'm now thinking that maybe I should combine it onto the QS for a $6300 limit which should make it eligible for WMC upgrade. Any advice on what I should do here? Thanks to MyFico forums, my scores have skyrocketed over the past year, but I don't yet understand all of the intricacies involved.

Re: Need advice on combining limits

Anonymous — Thu, 09 Jul 2015 18:34:45 GMT

I called to combine cards and they would not let me do it. Rep converted my journey into a quicksilver so now I have two quicksilvers. He dressed them up nice and gave me APR reduction but he could not combine accounts.

Re: Need advice on combining limits

TRC_WA — Thu, 09 Jul 2015 18:38:20 GMT

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

Re: Need advice on combining limits

DeeBee78 — Thu, 09 Jul 2015 21:45:12 GMT

@Anonymous wrote:
I called to combine cards and they would not let me do it. Rep converted my journey into a quicksilver so now I have two quicksilvers. He dressed them up nice and gave me APR reduction but he could not combine accounts.

It's not available right now. They pulled the functionality yesterday. It will be back eventually.

Re: Need advice on combining limits

Anonymous — Thu, 09 Jul 2015 23:56:23 GMT

@TRC_WA wrote:
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

This..^^^^

Re: Need advice on combining limits

Anonymous — Fri, 10 Jul 2015 00:21:47 GMT

@DeeBee78 wrote:
@Anonymous wrote:
I called to combine cards and they would not let me do it. Rep converted my journey into a quicksilver so now I have two quicksilvers. He dressed them up nice and gave me APR reduction but he could not combine accounts.
It's not available right now. They pulled the functionality yesterday. It will be back eventually.

Yeah, it was up for one day. I'll be ready when/if it comes back. However, the question still stands for when/if it does. Should I combine with the Venture or combine with the QS and try for a WMC upgrade?

Re: Need advice on combining limits

DeeBee78 — Fri, 10 Jul 2015 02:06:58 GMT

@Anonymous wrote:
@DeeBee78 wrote:
@Anonymous wrote:
I called to combine cards and they would not let me do it. Rep converted my journey into a quicksilver so now I have two quicksilvers. He dressed them up nice and gave me APR reduction but he could not combine accounts.
It's not available right now. They pulled the functionality yesterday. It will be back eventually.
Yeah, it was up for one day. I'll be ready when/if it comes back. However, the question still stands for when/if it does. Should I combine with the Venture or combine with the QS and try for a WMC upgrade?

It's a matter of choice. Do you want a larger limit on a travel card, or a general cash back card? The Venture is effectively 2% if you redeem for qualified redemptions, but has that pesky AF. The QS is a good general 1.5% card to use when your Freedom and Discover don't have the appropriate bonus category.

Personally I'd roll the QS1 into the QS to get rid of the annual fee. I hope when combining comes back (after my 6 month CLI's) I'll be able to get a PC to a regular Quicksilver, then eventaully the WMC version.

Re: Need advice on combining limits

Anonymous — Thu, 23 Jul 2015 22:46:44 GMT

Does anyone have an update on the glitches? I can't seem to find it on the website.