topic Re: Cap One combination fail! in Credit Cards

Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 10:37:56 GMT

I am so mad right now! I paid of my 2500 card to combine with my 4500 and the site said I AM NOT ELIGIBLE. Chat and customer service did nothing!

Simple question like "who can explain why I can't combine", no soul able to answer

I am tempted to call and ask to close the paid off one, despite the hit on my score (and bet I get someone in US to talk to me )

Re: Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 10:41:58 GMT

Have you had the cards for 6 months?
I don't see why you want to close the card because they won't combine. You should find out why you are not eligible.

Re: Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 11:02:53 GMT

Had both cards for 10-12 months. They could not tell me from India

When I asked who can answer they said they don't know.

Wonder if call to close the paid off one, I get an American on the phone LOL

Re: Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 11:35:33 GMT

I had 5 Cap one at one point. I was able to combine all but one. And i have had the card for 8 years. It was an old HSBC. No one could tell me why i coulnd combine it.I feel your pain.

Re: Cap One combination fail!

CreditCuriosity — Tue, 25 Aug 2015 12:16:53 GMT

call technical support when open today and see if they can figure it out for you.

Re: Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 12:20:29 GMT

You have to wait until the payment posts and there's a 0 balance with no pending transactions. What kind of card is it? If its secured its not going to work, if its a plat/qs/vent/qs1/v1 then itll work - not sure if any of the cobranded ones are working.

Give me infos OP.

Re: Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 12:25:26 GMT

Thank you!

Re: Cap One combination fail!

TiggerDat — Tue, 25 Aug 2015 13:14:01 GMT

@Anonymous wrote:
I had 5 Cap one at one point. I was able to combine all but one. And i have had the card for 8 years. It was an old HSBC. No one could tell me why i coulnd combine it.I feel your pain.

I wonder, if in your situation, if it has something to do with the fact that it is an old HSBC account? I guess I will find out in about a month or so! I plan on combining my Visa Signature card with my old Household MC. This will give me a very high MC with them. I am curious if they will then offer up a World card for that account. (I don't need the Visa Signature benefits, I have other Visa Signature cards anyway, and the MC is an older account.)

Re: Cap One combination fail!

ddemari — Tue, 25 Aug 2015 13:50:29 GMT

Op- i have 3 cap1 cards with a 0 balance and they are 10 days into my cycle. Each account is 3-4 years old, excellent payment history. Cant combine either!

Re: Cap One combination fail!

Anonymous — Tue, 25 Aug 2015 14:49:11 GMT

@Anonymous wrote:
I am so mad right now! I paid of my 2500 card to combine with my 4500 and the site said I AM NOT ELIGIBLE. Chat and customer service did nothing!
Simple question like "who can explain why I can't combine", no soul able to answer
I am tempted to call and ask to close the paid off one, despite the hit on my score (and bet I get someone in US to talk to me )

Wait until next statement, perhaps?

Re: Cap One combination fail!

Kidcat — Tue, 25 Aug 2015 15:03:49 GMT

I was told that an old HSBC account couldn't yet be combined. There's a glitch, no timeline on when it will be fixed. I tried right after the ability to combine limits with Cap One.

If you get a fix, please advise the rest of us

Re: Cap One combination fail!

shanac — Tue, 25 Aug 2015 15:20:54 GMT

OP, just last week I combined my Quicksilver card and my HSBC card. I had the QS card since 2010 w/a $39 annual fee (before converting it to QS last year it was a cap 1 platinum card w/no rewards). I'd had the HSBC since 2007 w/no annual fee. Once the payment on the QS posted, I was able to combine limits and close the QS card. So it is possible just not sure why it works for some and not others.

Re: Cap One combination fail!

happypill — Tue, 25 Aug 2015 15:50:06 GMT

I'm not able to combine accounts either. I have a QS and a Venture, both are over 6 months, zero balance, nothing pending. The QS was originally opened as a QS1 about a year ago. The Venture was opened in January.

I'm not in a hurry so I'm going to give it a few months and see what happens, but it is frustrating when nobody has any answers.

Re: Cap One combination fail!

UncleB — Tue, 25 Aug 2015 20:43:51 GMT

@CreditCuriousity wrote:
call technical support when open today and see if they can figure it out for you.

Also, the last two times I've called Capital One, I've called on a weekday, earlier in the day (around 9-10 AM) and both times I got somebody in the U.S.

I'm not saying the end results would be any better, but you might come closer to getting transferred to somebody that can help you.

Re: Cap One combination fail!

Anonymous — Thu, 27 Aug 2015 05:18:50 GMT

Yeah! My short fuse was going crazy!

Re: Cap One combination fail!

FinStar — Thu, 27 Aug 2015 05:30:50 GMT

@ddemari wrote:
Op- i have 3 cap1 cards with a 0 balance and they are 10 days into my cycle. Each account is 3-4 years old, excellent payment history. Cant combine either!

Wow, really? Which 3 cards do you have ddemari? I had no issues combining 3 of my old Capital One cards but I did it in two phases since the website crashed upon the first wave of consolidations.

Re: Cap One combination fail!

Anonymous — Sun, 13 Sep 2015 08:51:10 GMT

Hello! I just combined my cards, no idea why this time worked, but no complains here

No chage to cause the approval, guess is just their system LOL

Re: Cap One combination fail!

Anonymous — Sun, 13 Sep 2015 08:52:09 GMT

Keep trying! Does not make sense, but today I hit the button and it allowed me to combine

Re: Cap One combination fail!

Anonymous — Sun, 13 Sep 2015 13:07:20 GMT

Accounts also must be in good standing never maxing the card even if it's paid off to $0 blance and never late. Only one card has to have a zero blance and that's the one that you are closing. Six months is stated to be true to wait but never max out the. Card.

Re: Cap One combination fail!

Anonymous — Sun, 13 Sep 2015 13:25:40 GMT

@Anonymous wrote:
Accounts also must be in good standing never maxing the card even if it's paid off to $0 blance and never late. Only one card has to have a zero blance and that's the one that you are closing. Six months is stated to be true to wait but never max out the. Card.

That could be true. I went over my limit on this card a long time ago by five dollars. Only card I have ever done that with. I have never made a late payment though.