topic Re: Suggestion on CapOne consolidation with no more luv in Credit Cards

Suggestion on CapOne consolidation with no more luv

Anonymous — Tue, 03 Nov 2015 18:51:10 GMT

Ok so I need a consenus:

I have 2 C1 caord I got last December - Plat and QS both now QS - both started at $300 ---> middle CS increase ---> then 6mo credit step increase to $1300 each.

Luv button has not given anything since the 6 mo which was June and nothing on the prequal for better cards. I will not chance triple pull on a whim with them.. They both hit the 1 year (or second 6 mo period) in December.

Since they are not bumpting me up intermittently I am basically planning to keep them sockdrawered at this point and focus on cards I want to grow primarily - - just got Discover coming at $4k SL....Barclay hits 6th stmt this month and started at $3800 - AARP $4k

Comenity VISA/MCs are showing me auto luv and have much better starting CLs than C1 anyway and have long been better than C1 and Sychrony is great for UTIL too for me.

So here is my question, should I combine the 2 C1 cards now.....wait until after Dec stmt? Basically what are the chances of getting the best increase returned with 1 card or 2 cards?

Thanks!!!

Re: Suggestion on CapOne consolidation with no more luv

Anonymous — Tue, 03 Nov 2015 19:12:30 GMT

Since it's only a month away, I would suggest waiting until your one year mark on those cards to see if you can get a CLI before combining. With my Journey card, I got the credit steps auto increase right around 6 months, and then I got another increase (I requested it via luv button) once it hit the one year mark.

Re: Suggestion on CapOne consolidation with no more luv

DeeBee78 — Tue, 03 Nov 2015 19:20:31 GMT

@Anonymous wrote:
Ok so I need a consenus:

I have 2 C1 caord I got last December - Plat and QS both now QS - both started at $300 ---> middle CS increase ---> then 6mo credit step increase to $1300 each.

Luv button has not given anything since the 6 mo which was June and nothing on the prequal for better cards. I will not chance triple pull on a whim with them.. They both hit the 1 year (or second 6 mo period) in December.

Since they are not bumpting me up intermittently I am basically planning to keep them sockdrawered at this point and focus on cards I want to grow primarily - - just got Discover coming at $4k SL....Barclay hits 6th stmt this month and started at $3800 - AARP $4k

Comenity VISA/MCs are showing me auto luv and have much better starting CLs than C1 anyway and have long been better than C1 and Sychrony is great for UTIL too for me.

So here is my question, should I combine the 2 C1 cards now.....wait until after Dec stmt? Basically what are the chances of getting the best increase returned with 1 card or 2 cards?

Thanks!!!

Wait one month, get your CLI's and then combine. If you combine them now, you reset your CLI clock - it even tells you this when going through the combination process.

Re: Suggestion on CapOne consolidation with no more luv

Anonymous — Wed, 04 Nov 2015 11:59:21 GMT

Ok, thanks. That was my instinct just wanted some concuring opinions.