combine accounts

Travelsundays — Thu, 27 Aug 2015 23:51:50 GMT

i have 3 cards that i would like to combine into one and they were all opened at the same time. Would doing so hurt my credit score? thanks

Re: combine accounts

icyhot — Thu, 27 Aug 2015 23:53:06 GMT

What cards are they? What are the limits and balances? When were they opened

Re: combine accounts

Travelsundays — Thu, 27 Aug 2015 23:57:17 GMT

Cap 1 venture 10000/ cap1 QS $5000/ cap1 QS $3000 0 balance on all cards. Opened 6-14

Re: combine accounts

FinStar — Fri, 28 Aug 2015 03:32:59 GMT

@Travelsundays wrote:
Cap 1 venture 10000/ cap1 QS $5000/ cap1 QS $3000 0 balance on all cards. Opened 6-14

Since your accounts appear to be open > 12 months, then you can try the consolidation feature online. Below is a link that provides the most recent information regarding the consolidation proccess, pain points, successess and oddities. Provided you are able to combine all 3 cards, there should be minimal impact to your scores since the available credit is being simply shifted around from 3 cards to 1. Any closed accounts as a result of the consolidation would remain on your CRs with positive history for up to ~10 years.

Before you consolidate, evaluate which card or rewards program would be suitable in the end. Also, be aware that any cash rewards/points need to be combined (or redeemed) before you consolidate the accounts or you will forfeit them.

http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Credit-Line-Consolidation-LINK-IS-BACK-UP/td-p/4113430

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